There are a great panel of insurers all interested in your business. They want to try to accommodate all your needs. By asking for a quote you will not only get a good range of quotations from a panel of insurers and brokers, but also benefit from their vast knowledge of and expertise in insuring clothes shops.
Fill in our simple form now to get started in finding some good value deals. If you have any problems, don't hesitate to contact us here at MoneyMaxim and we will get on the case immediately.
When you are looking to insure your clothes shop you will be presented with a multitude of choices. Whilst most standard policies will cover you for your own and your employees' protection and for your equipment and stock, it is also really worth considering insurance against malicious fires, broken glass and flooding amongst other risks.
Here are some of insurance policies which are fairly essential for those with clothes shops.
- Public Liability Insurance - If a member of the public comes into your clothes shop and happens to fall over, you could be facing a hefty lawsuit. Prepare your business against the possibility of such lawsuits by purchasing public liability insurance.
- Commercial Property Insurance - This protects you against losses to company property, including buildings and inventory. It insures against damages through smoke, water or fire plus more.
- Employees Liability Insurance - Within the UK this cover is a legal requirement. Should any incidents or accidents occur involving employees, you will be protected against claims from them alleging you have been negligent.
- Business Interruption Insurance - This insurance is well worth considering. Should an incident occur it could save you a great deal of money! It insures a business in the event that it becomes temporarily unable to operate. This specialist insurance provides the owner with the income they would have received had the incident not occurred and therefore the business would have stayed open.
- Theft Insurance - This one may seem obvious but it would surprise you how many clothes shops do not have this insurance! Theft is particularly common within the fashion industry due to the nature of the products being sold and how easily concealed they are. Protect yourself against large losses through theft.
A few minutes thought before committing yourself to a clothes shop insurance policy can significantly reduce your stress levels at a later date should an incident occur. You would not want to be left unsure as to whether you are fully insured or not.
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