Shirt Shop Insurance for Retailers, Makers, Wholesalers, Importers and Online Sellers
Protection for Premises, Stock, Products, Bespoke Services, Employees, Storage and Ecommerce
Shirt businesses can combine retail sales, bespoke tailoring, customer fittings, alterations, embroidery, manufacturing, importing, wholesale distribution and ecommerce. They may operate from shops, studios, factories, warehouses, home workspaces or entirely online.
Quote Monkey can introduce shirt retailers, shirtmakers, manufacturers, wholesalers, importers and online sellers to specialist brokers who can assess their premises, stock, products, machinery, customer garments, cyber, transit and liability requirements.
Shirt Businesses Products Customers Premises And Processes
Shirt businesses can combine retail, bespoke work, alterations, personalisation, manufacturing, importing, wholesale supply and ecommerce. Every activity, location, product range and sales territory should be described accurately.
Industry And Occupations
Shirt shop insurance can be relevant to independent retailers, specialist menswear shops, designer boutiques, bespoke shirtmakers, tailoring studios, alteration businesses, manufacturers, wholesalers, importers and online sellers.
The page should also accommodate corporate shirt suppliers, garment decorators, embroidery businesses, printing companies, trade distributors, market traders and home based ecommerce operations.
Products And Services
Businesses may sell formal shirts, casual shirts, polo shirts, business shirts, dress shirts, overshirts, blouses, work shirts and personalised garments.
Services can include measuring, bespoke design, made-to-measure production, alterations, repairs, embroidery, monogramming, screen printing, heat transfers, corporate branding, fittings, collection and delivery.
Customers And Sales Channels
Shirts may be supplied to members of the public, companies, hospitality businesses, clubs, schools, theatres, events, retailers and other trade customers.
Sales can take place through shops, showrooms, trade counters, websites, Amazon, eBay, Etsy, social media, catalogues, pop-up shops, exhibitions and direct commercial contracts.
Premises And Working Locations
A shirt business may operate from a shop, showroom, tailoring studio, workshop, factory, warehouse, commercial unit, office, market stall or home address.
Mobile shirtmakers may visit customers at homes, offices, hotels and commercial premises. Stock may also be held in self storage, external warehouses or third-party fulfilment centres.
Equipment And Processes
Equipment may include sewing machines, overlockers, embroidery machines, cutting tables, steam presses, irons, heat presses, screen printing equipment, computers and photographic equipment.
Manufacturing processes can include pattern preparation, fabric cutting, sewing, pressing, embroidery, printing, labelling, inspection, packaging and distribution.
Standards Risks And Claims
Shirt businesses should consider product labelling, fibre composition, care instructions, product safety, workplace safety, machinery guarding, fire prevention and suitable customer records.
Claims can involve customer injuries, fires, water damage, theft, damaged customer garments, faulty products, incorrect measurements, machinery accidents, cyber incidents and delayed commercial orders.
Shops Stock Premises Bespoke Services And Personalisation
Protection may need to address valuable stock, premises, equipment, customer garments, fittings, alterations, embroidery, printing, commercial contracts and work away from the shop.
Retail Shops Boutiques And Shopping Centres
Retail Shops and Boutiques
Shirt shops can range from small independent retailers to designer boutiques, outlet stores and specialist menswear businesses.
Shop Insurance may combine selected protection for premises, fixtures, contents, stock and liability risks.
The insurer should know whether the shop provides fittings, measurements, alterations, embroidery, personalisation or customer events. Changing rooms, display fixtures, mirrors, refreshments and private appointments should also be disclosed.
Shops Inside Shopping Centres
Retailers operating inside shopping centres may have lease requirements involving glass, shop fronts, tenant improvements and liability insurance.
The broker should receive a copy of any relevant insurance requirements imposed by the landlord or centre management company.
Stock kept in shared loading areas, service corridors or separate storerooms should be included within the declared values and locations.
Concessions Markets And Exhibitions
Concessions and Department Store Retailing
Some shirt businesses trade from concessions inside department stores or other retail premises.
The insurance responsibilities of the shirt retailer and host business should be clearly established. The concession operator may still need cover for its own stock, employees, equipment and product liability.
Pop-Up Shops Markets and Exhibitions
Shirts may be sold from pop-up shops, markets, exhibitions, fashion events and temporary retail units.
Public liability, stock, displays, cash handling, temporary equipment and transit should be considered. The insurer should know how frequently the business attends events and whether stock remains overnight.
Stock Materials And Work In Progress
Business Stock Insurance
Business Stock Insurance may protect insured shirts, garments, fabrics, accessories, packaging and customer orders against selected events.
The declared value should reflect the maximum replacement cost rather than the expected selling price. Imported shipments, new collections and seasonal purchasing can create significant temporary increases.
Designer clothing, luxury garments, vintage shirts and limited editions may require additional information or specific policy limits.
Raw Materials and Work in Progress
Shirtmakers and manufacturers may hold fabric, buttons, thread, collars, cuffs, labels and packaging before production begins.
Work in progress becomes more valuable as cutting, sewing, embroidery and finishing are completed. The declared stock value should reflect this increasing production value.
Contents And Commercial Property
Business Contents Insurance
Business Contents Insurance may cover tills, computers, shelving, display stands, mirrors, cutting tables, sewing machines and office equipment.
Specialist embroidery, printing and production machinery should be valued at its current replacement cost, including delivery and installation where appropriate.
Commercial Property Insurance
Businesses owning shops, factories, studios or warehouses may consider Commercial Property Insurance.
Cover may be required for buildings, shop fronts, glass, signs, permanent fixtures and tenant improvements. Rebuilding values should reflect the full cost of reinstatement rather than the property’s market price.
Fire Smoke Water And Security
Fire Smoke and Water Damage
Shirts, fabrics and packaging can be vulnerable to fire, smoke, soot, water, damp, mould and contamination.
Even garments untouched by flames may become unsaleable following smoke contamination or water used during firefighting. Stock should be stored away from floors, pipes and known sources of moisture.
Steam presses, irons, heat presses and printing processes should be included in fire risk assessments and switched off safely when unattended.
Theft and Security
Designer shirts, branded garments and finished orders can be valuable, portable and attractive to thieves.
Insurers may ask about locks, shutters, alarms, CCTV, stockrooms, keyholder arrangements and protections used when the premises are unattended.
Measurements Fittings And Bespoke Design
Customer Measurements and Fittings
Bespoke shirtmakers may measure customers, advise on fabrics, prepare individual patterns and conduct several fittings.
Clear measurement records, order specifications and customer approvals can help reduce disputes. Mobile fitting services and appointments away from the main premises should be declared.
Bespoke Design and Pattern Cutting
A shirtmaker may design collars, cuffs, plackets, pockets and garment shapes around a customer’s preferences.
Where a business provides professional design or specification services, Professional Indemnity Insurance may be relevant to claims involving alleged financial loss.
Customer Garments And Mobile Fittings
Customer Fabrics and Garments
A shirtmaker may hold fabric supplied by a customer, shirts awaiting alteration or valuable garments requiring repair.
Standard stock insurance may only cover property belonging to the business. Cover for customer goods should therefore be specifically checked.
The broker should know the maximum value belonging to any one customer and the total customer property held at each location.
Mobile Fitting Services
Mobile shirtmakers may visit customers in homes, hotels, offices and corporate premises.
Public Liability Insurance may be relevant if the business accidentally injures someone or damages property during a fitting or collection.
The insurer should know how often mobile work takes place, where appointments are held and what stock or equipment is transported.
Alterations Errors Collection And Delivery
Shirt Alterations
Alteration services can include shortening sleeves, adjusting cuffs, changing collars, tapering shirts, replacing buttons and repairing seams.
The broker should know whether alterations are completed by employees, self-employed tailors or independent subcontractors.
Incorrect Measurements or Alterations
A customer could allege that incorrect measurements or poor alterations made an expensive shirt unusable.
Ordinary public liability may not cover the cost of redoing faulty work or replacing the product being worked upon. The exact policy wording should be checked.
Collection and Delivery
Some businesses collect shirts from customers, transport them to a workshop and return them following alteration or personalisation.
Goods in Transit Insurance may be relevant to qualifying stock and customer garments while transported.
Embroidery Monogramming And Printing
Embroidered and Monogrammed Shirts
Shirt businesses may add initials, company logos, club emblems and decorative embroidery.
The insurer should know whether embroidery is completed on stock owned by the business or garments supplied by customers. Specialist machinery and customer property should be included where appropriate.
Screen Printing
Screen printing can involve inks, chemicals, drying equipment, screens and washout processes.
The business should disclose the products used, ventilation, waste disposal, fire precautions and whether printing takes place in a shop, workshop, factory or home studio.
Heat Transfer Printing
Heat presses can create additional fire, burn and machinery risks. Insurers may ask about operating procedures, electrical inspections and whether equipment is left energised while unattended.
Heat transfer vinyl, printed transfers and other materials should be stored according to supplier guidance.
Customer Artwork And Intellectual Property
Businesses may receive logos, designs and artwork from customers for printing or embroidery.
The shirt business should obtain confirmation that the customer has authority to use the supplied design. Professional advice and intellectual property disputes may require separate consideration.
Manufacturing Imports Online Sales Home Working And Storage
Insurance may need to follow materials, machinery, stock, employees and digital systems across factories, studios, homes, warehouses, self storage facilities, fulfilment centres and online marketplaces.
Manufacturers Factories And Machinery
Manufacturers Insurance
Manufacturers Insurance may be relevant to businesses cutting, sewing, printing, embroidering and finishing shirts.
Insurance may need to cover raw materials, work in progress, completed stock, production machinery, employees and product liability.
Factory Insurance
Shirt manufacturers operating from dedicated production premises can consider Factory Insurance.
The broker will need details of machinery, production methods, heat processes, electrical equipment, extraction, waste materials, fire protection and maintenance arrangements.
Production Machinery
Manufacturing equipment may include automatic cutting machines, sewing machines, overlockers, buttonhole machines, embroidery systems, presses and packaging equipment.
Machinery values should include replacement, delivery, installation and commissioning costs. Older or imported equipment may take longer to replace following damage.
Quality Control And Product Liability
Quality Control
Manufacturers should maintain records covering materials, production batches, inspections, measurements, stitching, fastenings, labels and completed products.
Clear traceability can help identify affected products if a defect is discovered after distribution.
Product Liability
Product Liability Insurance can be important for businesses manufacturing, importing, branding or selling shirts.
Claims could involve defective fastenings, transferred dyes, skin reactions, unsafe decorations or allegations concerning specialist performance.
Product recall costs should not be assumed to be included within ordinary product liability cover.
Imported Own Brand And Exported Shirts
Imported Shirts and Fabrics
Importers and Exporters Insurance may be relevant where garments or fabric are sourced overseas.
The broker should know the countries of origin, manufacturers, supplier checks, annual import values and types of shirts supplied.
Own Brand and Private Label Shirts
A business applying its own label or brand to imported garments may carry responsibilities similar to those of a manufacturer.
Insurers may ask about samples, testing, product specifications, fibre composition, care labels, batch records and procedures for handling defects.
Export Sales
Businesses selling outside the UK should declare every material territory. Sales to the United States or Canada should always be specifically disclosed.
The broker may ask about overseas turnover, distribution agreements, product standards and contractual responsibilities.
Wholesalers Workwear And Commercial Contracts
Wholesalers and Trade Distributors
Wholesalers can hold substantial stock before supplying retailers, uniform businesses, corporate customers and ecommerce sellers.
Insurance may need to cover warehouses, trade counters, employees, products, deliveries and business interruption.
Business and Hospitality Shirts
Shirt suppliers may provide garments to offices, hotels, restaurants, bars, retailers and event businesses.
The insurer should know whether the company only supplies shirts or also designs uniforms, takes measurements, applies branding and manages individual employee orders.
Commercial Contracts
Corporate contracts can involve fixed delivery dates, agreed colours, brand specifications and large quantities of personalised shirts.
Professional indemnity may be relevant where an error in design or specification could cause the customer a separate financial loss.
School Shirts
A general shirt retailer may sell a limited range of school shirts. Businesses specialising in complete school uniform ranges have separate considerations and should review School Uniform Shop Insurance.
Websites Marketplaces And Social Media
Website and Online Business Insurance
Website and Online Business Insurance provides broader information for ecommerce businesses, marketplace sellers and online-only retailers.
The insurer should know the websites, marketplaces, products, stock locations and customer territories involved.
Amazon eBay Etsy and Social Media
Marketplace sellers should include all platform turnover when declaring their annual sales.
Products sold through Amazon, eBay, Etsy, Instagram, Facebook and TikTok remain part of the business’s product exposure.
Drop Shipping Returns And Cyber Risks
Drop Shipping
Drop shipping businesses should disclose suppliers, product origins, fulfilment arrangements and customer territories.
Not handling the shirts physically does not necessarily remove responsibility for products marketed and sold by the business.
Online Returns
Online shirt retailers can receive significant numbers of returned garments. Returns may be stored separately, inspected, repackaged, repaired or sold as clearance stock.
The insurer should know the maximum value of returned stock and how damaged or contaminated garments are handled.
Cyber Insurance
Cyber Insurance may help with selected costs arising from cyberattacks, data breaches and interruption to online trading.
Cyber cover can be relevant where the business accepts payments, stores customer details or relies on online ordering and stock management systems.
Working From Home And Home Studios
Working from Home Insurance
Working from Home Insurance can be relevant to online sellers, shirtmakers, embroiderers and alteration businesses operating from home.
Domestic insurance may exclude commercial stock, machinery, customer property, employees and business visitors.
Home Studio Insurance
Home Studio Insurance may be relevant where a dedicated room or outbuilding is used for design, fittings, sewing, embroidery, photography or packing.
The insurer should know whether customers attend the studio and whether heat presses, steam equipment or production machinery are used.
Commercial Studios Garages And Garden Buildings
Commercial Studios
Studio Insurance may be appropriate for businesses operating from separate design, photography, tailoring or production studios.
The distinction between light studio work and manufacturing should be clearly explained.
Garages and Garden Buildings
Stock or machinery kept inside a garage, shed or garden studio should be specifically declared.
Insurers may consider construction, locks, alarms, heating, fire protection, damp prevention and the maximum value stored.
Warehouses External Storage And Self Storage
Commercial Warehouses
Shirt wholesalers, importers and online retailers may operate from warehouses or industrial units.
The broker should know about construction, heating, electrical installations, security, fire alarms, sprinklers, stock racking and loading activities.
External Storage
Storage Insurance may be relevant where business stock is kept away from the main trading premises.
Every warehouse, lockup and external storage location should be declared with its maximum stock value.
Self Storage
Business Goods and Stock in Self Storage provides information for commercial stock held inside a self storage facility.
The business should disclose the facility operator, full address, unit type, security arrangements and maximum value.
Fulfilment Centres
Businesses using third-party fulfilment providers should establish who insures stock during storage, packing, dispatch and returns.
The fulfilment provider’s contractual liability may be considerably lower than the replacement value of the shirts.
Employees Machinery And Manual Handling
Employers’ Liability
Employers’ Liability Insurance is generally required where a business employs retail staff, machinists, tailors, cutters, warehouse workers, drivers or administrators.
Temporary workers, apprentices, trainees and labour-only subcontractors may also need to be included.
Machinery Injuries
Employees can suffer cuts, needle injuries, burns, strains and crushing injuries while operating sewing, cutting, pressing and handling equipment.
Machinery guarding, staff training, maintenance and suitable personal protective equipment can help reduce these risks.
Manual Handling
Fabric rolls, garment cartons and warehouse deliveries can be bulky or heavy.
Businesses should provide suitable handling equipment, storage arrangements and employee training.
Subcontracted Production
Embroidery, printing, sewing and alterations may be subcontracted to other businesses.
The main retailer should check subcontractor insurance and quality controls. The use of subcontractors does not necessarily remove the retailer’s responsibility to its customer.
Transport Continuity Claims And Quote Information
The claim examples are illustrative only. Any cover remains subject to accurate disclosure, insurer acceptance, selected sections, policy wording, limits, excesses, conditions and exclusions.
Vehicles Couriers And Postal Services
Delivery Vehicles
Commercial Vehicle Insurance may be needed for vans used to collect stock, deliver commercial orders or transport equipment to events.
Businesses operating several vehicles may consider Motor Fleet Insurance.
Motor insurance does not automatically cover the shirts, machinery or customer garments carried inside a vehicle.
Couriers and Postal Services
Businesses should understand the compensation limits provided by couriers and postal operators.
High-value, bespoke and bulk commercial orders may require separate goods in transit protection.
Interruption Combined And Legal Expenses
Business Interruption Insurance
Business Interruption Insurance may protect insured income and certain additional expenses following covered damage.
The indemnity period should allow sufficient time to repair premises, replace machinery, reproduce bespoke orders, replenish imported stock and restore online systems.
Commercial Combined Insurance
Commercial Combined Insurance may bring several covers together for businesses combining retail, tailoring, manufacturing, warehousing and ecommerce.
The final arrangement should reflect every activity, location, product, employee and method of trading.
Business Legal Expenses Insurance
Business Legal Expenses Insurance may provide support with selected employment disputes, contractual matters and other insured legal expenses.
The available protection, exclusions and reporting conditions will depend on the policy selected.
Fire And Escape Of Water Claims
Fire Damaging Stock
A fire involving electrical equipment or a heat press could damage shirts, fabrics, machinery and packaging through flames, smoke and water.
Escape of Water
A burst pipe could soak folded shirts, transfer colours and make a large quantity of stock unsuitable for sale.
Customer Injury And Damaged Garments
Customer Injury
A customer could trip inside a fitting area or be injured by an unstable display.
Damaged Customer Garment
A bespoke shirtmaker could accidentally damage a valuable shirt provided by a customer for alteration.
Bespoke Measurement And Embroidery Errors
Incorrect Bespoke Measurements
A customer could allege that an expensive batch of made-to-measure shirts was produced using incorrect measurements.
Embroidery Error
A commercial customer might claim that the wrong logo or colour was embroidered onto a large shirt order.
Imported Product And Warehouse Theft Claims
Defective Imported Product
An imported shirt could allegedly cause a skin reaction, transfer dye or contain an unsafe fastening.
Theft from a Warehouse
Thieves could steal designer shirts, corporate orders and finished stock following a break-in.
Cyberattack And Delivery Damage
Cyberattack
A cyber incident could interrupt website sales, expose customer information or prevent online orders from being processed.
Delivery Damage
Shirts could be damaged, contaminated or stolen while transported to a customer or between business premises.
Machinery Breakdown And Interruption
Machinery Breakdown
A failure involving an embroidery machine, cutting system or press could delay production and commercial orders.
Business Interruption
A serious insured event could prevent the business from accessing its shop, studio, factory or warehouse for an extended period.
Information Needed For A Quote
The broker will require a complete description of the business, including retail sales, bespoke shirtmaking, fittings, alterations, embroidery, printing, manufacturing, importing, wholesaling and ecommerce.
Further information may include turnover, wages, premises, stock values, customer property, machinery, heat processes, storage locations, online marketplaces, importing countries, export territories, vehicles, subcontractors and previous claims.
The business should identify all home working, studios, garages, warehouses, self storage units, fulfilment centres, market trading and work at customer premises.
Providing complete information helps the broker approach insurers that can consider the full shirt business rather than only its retail activities.
Insurance for Shirt Retailers, Makers, Manufacturers and Online Sellers
Whether you sell shirts from a shop, create bespoke garments, provide alterations, manufacture clothing, import stock or operate through online marketplaces, your insurance should reflect every part of the business.
Quote Monkey can introduce suitable shirt retailers, shirtmakers, wholesalers, manufacturers, importers and online sellers to specialist brokers who can assess their premises, stock, products, employees, machinery, storage and liability risks.
Shirt Shop Insurance FAQs
What is shirt shop insurance?▼
Shirt shop insurance is business cover arranged around the activities of shirt retailers, bespoke shirtmakers, alteration businesses, manufacturers, wholesalers, importers and online sellers.
What types of shirt business can apply?▼
Independent shirt shops, menswear retailers, designer boutiques, bespoke shirtmakers, manufacturers, embroidery businesses, wholesalers and ecommerce sellers can request an introduction.
Can a general clothing shop use this page?▼
The page is focused on businesses specialising in shirts and closely related products. A retailer selling a wider clothing range should accurately describe all garments and accessories supplied.
Can formal and business shirts be covered?▼
Formal shirts, dress shirts, business shirts, evening shirts and related accessories may be included when declared.
Can casual shirts and polo shirts be covered?▼
Casual shirts, polo shirts, overshirts, T-shirts and similar garments may be considered as part of the declared product range.
Can bespoke shirtmakers obtain insurance?▼
Bespoke and made-to-measure shirtmakers can request cover for fittings, customer measurements, fabrics, machinery, customer garments and liability risks.
Can mobile shirt fittings be included?▼
Mobile fittings at homes, offices, hotels and commercial premises may be considered. The insurer should know how frequently mobile work takes place and what stock or equipment is carried.
Does insurance cover shirt alterations?▼
Alterations and repairs may be included when declared. The insurer should know what work is completed and the maximum value of customer garments held.
Are customer garments automatically covered?▼
Not necessarily. Standard stock insurance may only cover goods belonging to the business. Customer property should be specifically discussed with the broker.
Can embroidery and monogramming be included?▼
Embroidery, monogramming and garment personalisation may be considered. Machinery, customer garments, designs and heat processes should be declared.
Can screen printing be covered?▼
Screen printing may be considered when the insurer receives details of inks, chemicals, drying equipment, ventilation and waste disposal.
Can heat transfer printing be insured?▼
Heat press activities can be included when declared. Electrical inspections, operating procedures and fire precautions may affect the terms offered.
Can shirt manufacturers obtain insurance?▼
Manufacturers can request cover for factories, machinery, raw materials, work in progress, finished stock, employees and product liability.
Can shirt importers obtain cover?▼
Importers may be considered. The broker will need countries of origin, supplier details, product descriptions, testing procedures and sales territories.
Can wholesalers and trade suppliers apply?▼
Shirt wholesalers, trade suppliers and distributors can request insurance for warehouses, stock, products, employees, deliveries and business interruption.
Can own brand shirts be insured?▼
Own brand and private label products may be considered. The business may face responsibilities similar to a manufacturer, particularly where shirts are imported and relabelled.
Is product liability important for shirt retailers?▼
Product liability can be important where a supplied shirt allegedly causes injury or property damage. Importers, manufacturers and own brand sellers can face increased exposure.
Can designer and luxury shirts be covered?▼
Designer, luxury, vintage and limited-edition shirts may be considered. The insurer may require increased security, stock records and individual item limits.
Does the policy cover shirt stock?▼
Stock cover may protect insured shirts, fabrics, accessories, packaging and customer orders against selected events. Limits, conditions, excesses and exclusions will apply.
How should shirt stock be valued?▼
The business should declare the maximum replacement cost held at every location. Seasonal collections and imported shipments may create significant increases.
Can shirts held in a warehouse be covered?▼
Warehouse stock may be included when the location, construction, security, fire protection and maximum value are declared.
Can stock in self storage be insured?▼
Cover may be available for shirts held inside a self storage unit. The facility, full address, unit type and maximum value must be disclosed.
Can a home based shirt business obtain insurance?▼
Home based online sellers, shirtmakers and alteration businesses can request cover. Household insurance may exclude stock, machinery, customer property and commercial visitors.
Can a home tailoring studio be insured?▼
A home studio may be considered for sewing, design, embroidery, fittings, photography and packing. Machinery, heat equipment and customer visits must be declared.
Are online shirt sales covered?▼
Website and marketplace sales may be included when declared. The insurer should know the platforms used, customer territories, products and fulfilment arrangements.
Can Amazon eBay and Etsy sellers apply?▼
Marketplace sellers can request insurance. Turnover from every platform, product origins, stock locations and customer territories should be disclosed.
Can drop shipping shirt businesses obtain insurance?▼
Drop shipping operations may be considered. Not physically handling the shirts does not necessarily remove responsibility for products marketed and sold by the business.
Is cyber insurance available?▼
Cyber cover may be considered where the business depends on websites, payment systems, customer accounts, order records and stock management software.
Can shirts be insured during delivery?▼
Goods in transit cover may protect qualifying stock and customer orders during transportation, subject to limits and security conditions.
Is employers’ liability required?▼
Employers’ liability is generally required where the business employs retail staff, machinists, tailors, warehouse workers, drivers or administrators.
Are subcontractors included?▼
The use of subcontracted tailors, embroiderers, printers and manufacturers must be disclosed. Insurers may distinguish between different types of subcontractor.
Can professional indemnity be included?▼
Professional indemnity may be relevant where the business provides bespoke design, corporate clothing specifications or professional advice that could cause financial loss if incorrect.
Does the policy cover incorrect measurements?▼
Ordinary public liability may not cover the cost of replacing a garment produced using incorrect measurements. The precise policy wording should be checked.
Does shirt shop insurance include business interruption?▼
Business interruption may protect insured income and certain additional costs following covered damage to premises, stock or machinery.
What affects the cost of shirt shop insurance?▼
Premiums can be affected by turnover, wages, premises, stock values, manufacturing, heat processes, imported products, customer property, online sales and claims history.
What information is required for a quote?▼
The broker may require details of products, services, turnover, wages, premises, stock, machinery, customer property, importing, online sales, storage, vehicles, subcontractors and previous claims.
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