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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.

smei 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 selection of UK insurers, to help us source the right insurance for your business and its specific risks, at the right price.

Why Insurance is Important for Clothes Shops

Clothing stores, like Kimora Fashion & Lifestyle in Barrowford, Lancashire, 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.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 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 £224.00

In the past 12 months our customers have paid as little as £224.00*** per annum for clothing shop insurance.

Over 65%**** of our clothing shop customers paid less than £630 per annum in the past 12 months.

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 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

**Optional cover may differ dependent upon insurer. 

*** Data compared from 308 policies sold between November 2017 and November 2018.

**** Based on 308 policies sold between November 2017 and November 2018, 206 customers paid less than £630.

I AM MOVING TO NEW PREMISES – WHOM DO I NEED TO CONTACT?

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.

WHAT DO I DO IF I NEED TO MAKE A CLAIM?

Details on how to make a claim can be found in your policy documentation, however please feel free to contact us on 0330 134 4606 or email claims@pclaims.co.uk if you have any queries or would like some assistance.

HOW DO I KNOW I AM GETTING A GOOD DEAL?

We’re a broker which means we aren’t tied to any particular insurer. We 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.

WHAT CLOTHES SHOP IS FEATURED ON THIS PAGE?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Kimora Fashion & Lifestyle in Barrowford, Lancashire is one of our high street heroes. Visit their Facebook page here: www.facebook.com/kimora.womenswear

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco

£

Photographic Equipment

£

Wines and Spirits

£

Clothing

£

DVDs, Blu-rays, CDs and Video Games

£

Jewellery

£

Electrical Equipment

£

All Other Stock

£

Please enter amount

£

This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

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£

If you are a tenant you will be responsible for any improvements you have made.

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£

If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?

£

You Could Save Over 15% 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: 8am - 6pm

Related Articles

How do you take over a small, independent fashion store and transform it into a high street favourite?

Ruth Holden, owner of Kimora Fashion & Lifestyle in Barrowford, Lancashire gave us the inside track.

Posted 03/12/2018
Feefo Reviews
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of our customers would recommend our service based on Feefo

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

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