You Can Hang Your Hat on Our Solutions for Apparel Shop Insurance

Your apparel shop isn’t like the others, but you probably share a few of the same concerns about your business insurance. Here are a few insurance questions that are common in your type of business, along with straightforward, practical answers. When you’re ready to speak to an agent, find one near you using our Professional Locator.

(Please note all coverage may not be available in all states.)

Glossary

Your Worries     The Solutions      
What you think about    How you can help yourself    How Nationwide can help
If the shop needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and my bills?     Ask your agent if this coverage is automatically built in to your policy.vbn

Review our Disaster Planning Guide for Small Businesses     Business Income Coverage
What if I use my car for my business to run errands, pick up supplies or transport stock from one location to another?     Address driving safety in the company handbook

Have a personal use vehicle procedure in place

Review Accident Procedures Safety Bulletin

Review Driver Distraction Safety Bulletin     Business Auto Coverage, including hired and non-owned auto coverage

Property Coverage
My shop has high foot traffic, so I’m worried about slips and falls. What if a customer gets hurt in my store?     Review Preventing Slips, Trips and Falls Safety Bulletin
General Liability Coverage

Umbrella Coverage
What if a windstorm damages or knocks down my sign?     Use signs that are built to withstand local weather conditions    Outdoor Sign Coverage
What if my employees steal money or stock from me?     Review Crime Prevention Tips Safety Bulletin

Review Employee Theft Safety Bulletin     Employee Dishonesty

Robbery and Safe Burglary Coverage

Forgery and Alteration Coverage
I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination.     Policies and procedures regarding discrimination and harassment

Review Hiring Practices/Employee Selection     Employment Related Practices Liability Coverage
I do alterations and tailoring for my customers. How do I make sure their belongings are covered?     Keep accurate descriptions of customers goods on the receipt
Keep a backup copy of computer records, items in storage and inventories at an off-site location

Issue a receipt and require the customer to declare a value on higher valued items

Bailee Coverage
I need to protect my electronic or paper credit card receipts.     Keep backup copies of your information in a fireproof safe     Valuable Papers and Records Coverage
My stock levels vary throughout the year, especially during the holidays. How can I make sure I’m adequately protected?           Business Personal Property Limit - Seasonal Increase Coverage
What if my employees get hurt while they’re at work?     Online safety courses

Review Safe Lifting Guidelines

Review Establishing a Safety Program Bulletin

Review Fall Prevention Tips for Walking and Working Surfaces Safety Bulletin     Your Nationwide agent can help determine the best Workers Compensation solution to fit your needs.
What if my shop is broken into or is robbed?     Review our Crime Prevention Tips Safety Bulletin     Money and Securities Coverage

Robbery and Safe Burglary Coverage

Forgery and Alteration Coverage