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Safety and Loss Control
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.)
| 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 |
Did You Know?
By 2012, plus-size and big and tall stores alone could shatter the $100
billion mark.
– marketresearch.com
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a Nationwide Insurance® agent
Did You Know?
The children’s apparel market is estimated to account for $20-22 billion
in sales every year and is considered among the fastest-growing segments
of the overall retail market.
– entrepreneur.com
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a Nationwide Insurance® agent
