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Clothing stores engage in the retail sale of clothing and vary in size from small boutiques to large, multi-level buildings. They may cater towards a specific demographic, such as women, men, girls, boys, children or infants; or offer clothing to fit a variety of people. Some stores stick to one type of clothing, such as sports-related attire, maternity wear, uniforms, second-hand clothing or formal dresses. Shoes and accessories including jewelry, belts, hats, ties and handbags may also be sold. Alteration services may be offered.

General Liability Insurance for Clothing Stores – Clothing stores should be well lit and have sidewalks and parking lots that are clear and safe for walking. Aisles inside the store should be well spaced for easy passage and the floors should be in good repair. Clothing store customers should easily be able to reach all merchandise. Clothing racks, merchandise displays, and shelving should all be sturdy and glass counters should be free of defects and sharp corners to prevent cuts. Dressing rooms should be neat, clean, and private. Exits should be properly marked. If stores import clothing from foreign countries or they provide alteration services, then products liability risks are increased.

Workers’ Compensation Insurance for Clothing Stores – Clothing store employees may be injured if they are involved in clothing alterations. Lifting is also a concern when handling shipments and stock. Employees may face cut hazards from opening stock containers with knives or razors. The use of stools and stepladders may be dangerous to employees if not used properly. All stools and stepladders should have skid resistant covers on the feet as well as on the areas where the employees’ feet will come in contact. Safety training should be in place to help prevent injury.

Property Insurance for Clothing Stores – Clothes are made of flammable material and can be damaged in the event of a fire. The more valuable the clothing is, the higher the risk is for theft. A central station smoke alarm system should be installed as part of a security system in clothing stores. Approved fire extinguishers should be available at key points throughout the premises and training should be conducted in their usage. All fire extinguishers should be inspected annually and recharged as needed.

Crime Insurance for Clothing Stores – All monies should be secured and monitored in order to reduce employee theft or robbery. Outsiders can engage in theft by making payment for purchases with invalid credit cards or checks. Clothing Stores employees should receive training and have available the latest technology for identifying fraudulent or invalid checks and credit cards. Employees who reconcile bank statements should not be permitted to withdraw or deposit funds. Separation of duties is key. Routine inventory counts will help control theft of merchandise by employees.