Your One-Stop Resource for Apparel Shop Insurance
Shoppers visit your clothing store because you know what’s hot- before it’s hot. Creating “just the right look” for a customer is your passion. You enjoy doing research to keep up with new trends, and want business insurance for clothing stores that keeps up with your ever-changing company.
Whether you own the small shop where customers know you by name or the upscale shop that everyone raves about, the Lambert Agency® understands your unique insurance needs and offers customizable business insurance for clothing and shoe retail shops to meet them.
Let us partner with you and take some worries off your plate. We’ve been providing professional, personal service for more than 80 years. And since apparel store insurance is one of our specialties, we can work with you to select a retail store insurance plan that fits your business and your budget.
Learn More About Insurance for Clothing and Shoe Retail Stores
To get you started, here are some common industry concerns shared by clothing shop owners – and ways that our dependable clothing store insurance policy will cover you. We also provide some other ways we can help and some tools you can use to help yourself. When you’re ready to speak to an agent, call us at (205) 879-7283 and ask for a free clothing retail store insurance quote.
Q: How does the Lambert Agency understand that apparel shops are different from other businesses?
A: With apparel shops, your merchandise is your business. If it’s damaged in a fire or other disaster, you need to be able to replace it and reopen your shop right away. Apparel stores also may be more seasonal than other types of retailers, so your coverage needs to adjust to protect your stock at any time of year.
Q: What specific coverages do apparel shops need?
A: Here are some of the coverages you should consider:
- General Liability
- Property
- Employee Dishonesty
- Crime/Theft
- Business Income
- Business Umbrella
- Workers Compensation
- Peak Season Coverage
- Money and Securities
- Valuable Records and Papers
Q: Does the Lambert Agency offer these coverages?
A: Yes. the Lambert Agency offers a wide variety of coverages and services for the apparel retail industry. Your agent will work with you to determine a solution to best meet your needs.
Q: What advantages does the Lambert Agency provide for apparel shops?
A: The Lambert Agency offers online safety bulletins to help you protect your store, your customers and your employees. Our knowledgeable agents will design an insurance package based on your individual business, typically consisting of one policy, making it easier to keep track of renewals and payments.
Q: Can the Lambert Agency meet all of my insurance and financial needs?
A: Yes, we offer a full range of personal and business insurance products. We also offer financial services, mortgage and banking services. This means we can cover your home, personal autos, business vehicles, workers compensation, life insurance, business property and liability, personal and commercial umbrella, mortgages and investments.
Q: If I have several locations, do I need to have several policies?
A: No. The Lambert Agency can include all of your locations on one policy, saving you money and maximizing your coverage. And if your locations are in multiple states, we may be able to provide coverage.
Q: What is umbrella insurance?
A: It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.
Q: How do I pay my premiums?
A: Various options are available, including monthly and quarterly.
Contact the Lambert Agency to work out the best plan for your business.
Q: What do I do if I have a claim?
A: You can:
- Call us at (205) 879-7283
- Visit our claims center
Q: What can you do to help me as my business changes?
A: Your agent can provide an annual On Your Side Review to make sure your insurance is keeping up with your changing business needs. These reviews can cover opening a new location, adding on to existing space, changes in the industry from court rulings, when a claim has been made and at renewal time. All of these moments have insurance coverage implications, and we want to make sure you are adequately protected.
Q: How is the Lambert Agency rated, and what does this rating mean?
A: Nationwide is rated A+ (Superior) by A.M. Best, an independent insurance benchmarking group. The superior rating is assigned to companies that have a superior ability to meet their ongoing obligation to policyholders.