Clothing Store Insurance – Wholesale Clothing Insurance

New York NY Clothing Store Insurance

A Retail Clothing Store is a business that involves a low risk for customers but a high risk for business owners against property damage. As a retail business, you don’t provide a service you sell a product, and that product must be protected. Your main concern as a business owner of a clothing store is fire, flood and theft of your product.

If something was to happen to the business like a fire or flood, there is a great possibility that your merchandise will be destroyed. When a fire occurs, it typically destroys clothing and if that doesn’t do it the smoke cause by the fire or the water by the Fire department will definitely destroy the clothing. That is why it is important to have the right insurance policy in place for your Clothing Store.

If something like this happens it will then take you possibly months to repair the store and buy additional merchandise, while the entire time, rent and other bills will still be due. At DurAmerica Brokerage we have specific programs available for these businesses and provide piece of mind to our business owners.

When insuring a Clothing Store you have to take the following coverage’s into consideration.

Business Property Insurance

Business property insurance can protect your business against physical loss due to fire, explosion, flood, theft and many other perils. It can provide coverage for the building if you own it and for the belongings of the business.

We can provide insurance coverage for the:

Clothing

Loss Of Income

Decorations

Furniture

Electronics

Exterior Signs

And anything else that belongs to the business

Loss Of Income

If your Clothing Store does suffer a loss, you may be out of business for 1, 3 or 6 months. This would be a huge catastrophe for the business since it still has to pay utility bills and rent and would not be receiving an income.

With loss of income coverage we can make sure that even though you are not in business, you are not out of business. You can still pay the rent and get your business operational again.

You can be confident that while your business is being repaired or rebuilt, the Clothing Store will open again to your customers.

If you do not currently have loss of use coverage on your policy, contact us by clicking here so that we may properly secure your business.

Liability Insurance

The General Liability Insurance portion of your Clothing Store business protects the business against claims due to injury of third parties.

Injuries are possible in a Clothing Store because of numerous reasons.

Someone Can Slip & Fall Outside The Business

Someone Can Slip & Fall Inside The Business On A Wet Floor

Someone Can Get Injured While Trying On Clothing

General liability is an important part of the policy. It will cover all of these cases and more and will provide coverage whether you or your business were negligent or not. It will pay for legal & court costs along with any judgment awarded to the claimant.

Bodily Injury

Will provide coverage for anyone other than your employees that are injured on the premises

Property Damage

Will provide coverage if anyone’s property in destroyed or damaged within the premises

Products Coverage

Will provide coverage if someone gets injured due to a defective product. Like if someone is allergic to a material or if a piece of the clothing comes off and injures a child.

Advertising Injury

Will provide coverage if you publish inaccurate information or do false advertising about your competition.

Workers Compensation

Workers compensation covers your Clothing Store Business against claims by your employees for injury on the job. If you would like more information on Workers Compensation, please click here and read our article.

Commercial Auto Insurance

If you use a vehicle to pick up or distribute merchandise, commercial or business auto insurance is how we would provide coverage for the vehicles the business owns or operates. If you would like more information about commercial or business auto insurance, please click here and read our article.


Our mission is to provide the most detailed information to our customers to ensure that they know how to properly insure their business. DurAmerica Brokerage has over 50 years of combined experience in the insurance industry. We strive to educate our customers and provide the best coverage’s at the lowest prices possible.

Whether you currently own a Clothing Store Business or are planning to open one, give us a call or request a free no obligation review of your insurance needs by clicking here.


Click Here For A Free Clothing Store Insurance Quote !