Insurance for Fashion Businesses

Quick quotes. Comprehensive coverage. Tailored to fashion businesses.

Why do fashion businesses need insurance?

Fashion businesses often sell and store high value goods in their stores, making them targets for shoplifting and vandalism. Plus, selling wearable goods can open your business up to claims of liability in case of injury or malfunction.

What coverage do fashion businesses need?

General Liability

General Liability (GL) protects your business from legal claims and liability that arise from your operations. Fashion businesses may have showrooms or shops in which customers can get injured accidentally, which can present a significant financial risk.

Learn more about general liability.

Business Owner’s

Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.

Learn more about business owner's.

Product Liability

Product liability protects fashion businesses in the event of damages or harm resulting from a product that was sold to a customer. Wearable goods can cause injury, such as tripping due to a broken heel or allergic reactions due to the usage of certain chemicals.

Learn more about product liability.

Workers’ Compensation

Workers’ compensation ensures that your employees are covered from on-site injury and illness, including lost wages and medical expenses.

Learn more about workers' compensation.

Umbrella Insurance

Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.

Learn more about umbrella insurance.

What coverage do fashion businesses need?

Business Owner’s

Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.

Learn more about business owner's.

General Liability

General Liability (GL) protects your business from legal claims and liability that arise from your operations. Fashion businesses may have showrooms or shops in which customers can get injured accidentally, which can present a significant financial risk.

Learn more about general liability.

Product Liability

Product liability protects fashion businesses in the event of damages or harm resulting from a product that was sold to a customer. Wearable goods can cause injury, such as tripping due to a broken heel or allergic reactions due to the usage of certain chemicals.

Learn more about product liability.

Workers’ Compensation

Workers’ compensation ensures that your employees are covered from on-site injury and illness, including lost wages and medical expenses.

Learn more about workers' compensation.

Umbrella Insurance

Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.

Learn more about umbrella insurance.

Cyber Insurance

Cyber insurance covers your business against expenses and liability in the event of a data breach involving sensitive personal information.

Learn more about cyber insurance.

What types of fashion businesses can Oyster cover?

Oyster can cover most types of fashion businesses, including clothing, handbags, accessories, and more.

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Resources to protect your business

We have curated an ever-expanding library of articles to help you understand insurance and reduce risk exposure.

Learn more about commercial insurance

Frequently asked questions

How do I get a quote for my business?

How much does insurance cost?

How do I get a certificate of insurance (COI)?

Can I add to or expand my coverage?

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