Clothes Shop Insurance

Our flexible policies ensure that all areas of your shop are protected and this can include stock, cash, employees and members of the public.

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Our Solution for You

SME Insurance Services provides insurance for clothing shops through its specialist retail cover. Our experienced team has significant knowledge and expertise in the retail industry and can advise you on what insurance you need to ensure your business is fully protected.

We work with a panel of UK insurers, to help us source the right insurance for your business and its specific risks, at the right price.

You Could Save Over 10% With Us*

Mon-Fri: 9am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers’ liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £157.45

In the past 12 months our customers have paid as little as £157.45*** per annum for clothing shop insurance.

62%**** of our clothing shop customers paid less than £700 per annum in the past 12 months.

Why Insurance is Important for Clothes Shops

Clothing stores, like many other retail outlets, have their own individual risks to consider, from high value designer goods in store, to the seasonal sales rush where customer numbers may increase dramatically. This is where business insurance can help you. Whether it is to protect your key assets, your premises, or your customers and staff, it is important to understand what the most relevant type of insurance cover is for you and your business.

About the Fashion Industry

The fashion industry is diverse with a wide spectrum of stores ranging from discount outlets to designer boutiques. Every store is different with its own unique set of risks and it is vital that you have the right business insurance in place in order to protect your livelihood.


Terms and Conditions
* We randomly surveyed 50 policyholders (2.36%) who obtained cover through us between April 2017 and October 2017. 60% made a financial saving by moving to SMEi, with an average saving of 13.5%. This data excludes commercial and residential insurance for landlords.

**Optional cover may differ dependent upon insurer. 

*** Data compared from 192 policies sold between January 2016 and January 2017.

**** Based on 192 policies sold between January 2016 and January 2017, 119 customers paid less than £700.

You Could Save Over 10% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 9am - 6pm

Related FAQs See all FAQs

You will need to contact us quoting your policy number and we can then amend your details. Please note that the change of premises may affect the cost of your insurance.


You will need to contact the claims department on 0330 134 4606 or email


SME Insurance acts as a broker and we are not tied to a particular insurer. We give our customers the ability to search and compare products from a number of UK insurers, so you can choose the right product for you and your business, at the right price. To offer you these insurance options, we use the strength of our market position and our close relationships with the insurers to negotiate the best possible cover and prices we can for our clients.

Feefo Reviews
Based on 115 reviews

90% of our customers would recommend our service.

Customer Testimonials
Always prompt, helpful, professional, polite and I feel they try to find the best insurance for my needs.

Joyce Galloway

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