What types of insurance does a clothing store need? 

Running a retail boutique comes with unique risks, from customer injuries to inventory damage. The most common policies include: 

  • Business Owner’s Policy (BOP) – Bundles general liability and commercial property coverage. 
  • General Liability Insurance – Covers third-party injuries and is often required to lease retail space. 
  • Workers’ Compensation – Required in most states if you employ staff, covering workplace injuries.

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.