Clothing Stores

photo of girl looking through clothes rackInsurance for Clothing Stores

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Insurance for Clothing Stores

Our clothing store insurance is an excellent choice for shoe, handbag, clothing and hat stores with related accessories. Access our business owners form with a special cause of loss clause for clothing stores with up to $3,000,000 in sales.


Ineligible Clothing Stores

Please note we cannot offer coverage to the following:

  • Products sold under the insured’s label
  • Risks located in AK, LA or WV
  • Risks with more than $3,000,000 in sales
  • Property coverage in FL (unavailable with this product)


Coverage Available for Clothing Stores

  • Property values up to $3,000,000 in protection classes 1-8, $1,000,000 in protection classes 9-10 and $500,000 in coastal zones (excluding wind and hail coverage)
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Excess general liability or umbrella up to $5,000,000
  • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not available in AZ, GA, IL, MS, VT or WI)


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Claim Example for Clothing Stores

girls shopping

Property: A fire began at the insured’s premises. The fire was a result of a careless employee smoking a cigarette in the inventory room. The fire caused both $45,000 in building damage and $14,000 in business personal property damage. In order to repair the damage, the store had to shut down for a month, causing a $18,000 loss in income and $12,000 extra expenses, which was included in the business income with extra expense coverage.


General Liability: A customer of the clothing store went to use the restroom, which had recently been cleaned by an employee. The tile floor area just outside of the restroom was still wet. The customer slipped and fell, breaking their arm. A $5,000 medical expense was immediately paid to compensate the customer for their hospital visit and the ambulance ride.


Value Plus: An employee of the store was going through tough financial times. They ‘forgot’ to turn on the alarm system when closing up for the night. No signs of break-in were evident. The store owner noticed inventory levels were repeatedly lower when this employee closed the store. Cash in the register also was mysteriously low on these same nights. The insured notified the police, and also made an employee dishonesty claim, and a money and securities claim.


Equipment Breakdown: The piping within the hot water heater ruptured from over usage, causing the clothing store to have to shut down for 4 hours. An equipment breakdown claim was made.

Please note –
You must be an appointed Peachtree Special Risk Brokers, LLC retailer to use these programs. Quotes obtained via these programs will only be bound IF you are previously appointed producer with a currently executed Producer Agreement with any Peachtree office.  |  Also, you must be properly licensed with the State in which the risk is located, with a copy of your State license on file with us.  |  Prior to Binding, you must confirm with your local Peachtree office to determine any and all applicable taxes and fees.  |  No coverage is bound until confirmed in writing from a Peachtree representative.  |  Please contact a Peachtree representative if needed for additional pricing considerations on any quote received using these programs or if your submission has been declined.  – Thank you! –