We offer an alternative to traditional insurance for clothes shops. Just fill in your details below and we’ll contact you for a quote.






Cover for Clothes Shops

What does Clothes Shop Insurance offer?

When running a clothes shop or boutique, high footfall and keeping valuable stock on the premises can expose your business to a number of risks, so it’s important that you take the time to put a suitable protection plan in place. Clothes shop owners tend to opt for clothes shop insurance that keeps their stock and employees safe in the unfortunate event of an incident leading to a claim.

An Alternative to Clothes Shop & Boutique Insurance

At The Retail Mutual, we provide business cover as an alternative to clothes shop insurance and boutique insurance for small, independent retail businesses. We recognise that every business has a unique set of needs, so we work closely with our Members to gain insights into their business and industry in order to provide them with the correct type of cover options.. With this in mind, we aim to provide a fair alternative to clothes shop insurance that helps protect your business should the worst happen.

Whether you’re running a small boutique, shoe shop, independent clothes store or premium fashion shop, you’ll need thorough business cover as a viable alternative to clothes shop insurance in order to safeguard your business. Having a claim made against you can incur huge financial costs but having a mutual alternative to boutique insurance in place can help protect your stock, your premises and your employees. Running a clothes shop means that a high number of customers may enter and leave your store during the day, which could lead to accidents or injuries occurring.

The risk continues after trading hours. Theft, ram raids and damaging events such as flood or fire can be extremely damaging to your business premises. Here at The Retail Mutual, we recognise the risks you face, and offer flexible cover where you can choose the protection options you require. After all, there is no ‘one size fits all’ for business cover.

To find out more about our cover options for boutiques and clothes shops, speak to a member of our dedicated team today on 0333 2121 280 or click here to start your quote online.

What Type of Clothes Shop Cover do you Need?

Below are some covers that we offer as part of our flexible alternative to clothes shop and boutique insurance:

Business Interruption Cover – This is designed to protect you if an unexpected event forces you to cease trading, for example if a large amount of stock is damaged by flood or fire. Business Interruption Cover aims to compensate you for any loss of profits and can assist in covering your overheads until your business is back up and running. The Retail Mutual offers cover up to £500k as standard.

Stock and Contents Cover – Your stock is one of your most valuable assets, so it is important you protect it. Stock and Contents Cover protects your stock and other items within your business premises should they become damaged in events such as theft, flood and fire.

Employers’ Liability Cover – If your business employs staff, whether they’re permanent or temporary, it is likely that you’ll require Employer’s Liability Cover. The purpose of this type of cover is to protect you and your business should a staff member become ill or injured in the workplace. We offer cover up to £10 million.

Public Liability Cover – Whilst members of the public are in your clothes shop, you are responsible for their safety. Public Liability Cover protects against damage to them or their property. The Retail Mutual offers cover up to £5 million.

Buildings Cover – Buildings Cover compensates you for any damage to your clothes shop or boutique premises your roof, ceilings and walls can be protected by this cover. You may purchase additional cover to include your shop’s fixtures and fittings (e.g. clothes rails, shelving, display units). We offer cover up to £5 million.

Benefits to Clothes Shops

  • We don’t charge admin or cancellation fees
  • We provide flexible cover to suit the needs of individual businesses
  • Our payment plans are interest-free
  • We operate a UK-based call centre to provide simple and efficient service
  • We offer accidental damage and fixed glass cover as standard

What makes us different to traditional Clothes Shops Insurance?

As a mutual, we’re set up and run by our Members, meaning we’re completely people focused. Our team has been dealing with protection plans in the retail industry since we were established in 1999, so we’re well placed to recognise the challenges involved with running an independent retail business. We aim to offer our Members a community in which they can help and support each other and celebrate each other’s successes.

What Else do we Offer?

Our alternative to clothes shop insurance is just one of the types of cover that we offer. We support a breadth of independent retail businesses both large and small. The type of cover we provide includes flexible alternatives to hotel insurance, bakery insurance, bookshop insurance, cafe insurance and more. If you’re looking for boutique insurance and are interested in becoming a member of our mutual community, get a quote or call us today on 0333 2121 280.

The Mutual Claims team have been extremely helpful. Many thanks for your very prompt assistance

Liz, Shop Owner

Lots of our members now have multiple policies, myself included. Why would I want to go elsewhere?

Naresh, Convenience Store Owner

Call us today on 0333 2121 280 or complete a quote request here

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