No. Your policy covers your business, and each vendor’s policy covers theirs. Your coverage responds if a client holds you responsible for a vendor problem, such as a claim that you failed to vet them. Requiring certificates of insurance from every vendor confirms their coverage is active.
FAQ_category: (HIDDEN) Industry FAQs
Customer garments in your care are property of others, and standard property coverage may limit or exclude them. Bailee coverage responds when clothing you hold is lost, stolen, or damaged. If you offer alterations, fittings, or consignment, confirm this protection is in place.
It can, but only if your policy knows about them. Tell your agent you sell online. Coverage can then account for inventory in transit, higher return volume, and out-of-state claims. Cyber insurance adds protection for the payment data your checkout page collects.
Yes. General liability insurance responds to customer injuries anywhere on your premises, and fitting rooms count. A slip on a discarded hanger or a fall against a mirror can become a claim. Coverage helps pay medical costs and legal defense if the customer sues.
Yes, with an important distinction. Commercial property coverage in a business owners policy responds to theft, such as a break-in or robbery. Gradual, unexplained shrinkage discovered only during inventory counts is typically excluded. Ask how your policy defines theft before you need the answer.