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Clothes on Rack

Clothing Store

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)

Available Coverage 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)



Claim Example for Clothing Stores

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.

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

Clothes Model
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