Common questions about Clothing Stores
Answering the most frequently asked questions about Clothing Stores.
Does e-commerce change my coverage?Gravity Certs2026-08-17T23:08:12-04:00
Yes. Online sales expand both product and cyber exposure. Disclose your channels.
Is my POS a cyber exposure?Gravity Certs2026-08-17T23:08:11-04:00
Yes. Card data makes retail a routine breach target regardless of size.
Is shoplifting covered?Gravity Certs2026-08-17T23:08:10-04:00
Generally not. Crime coverage responds to employee dishonesty and robbery, not ordinary shrinkage.
Do I need product liability?Gravity Certs2026-08-17T23:08:10-04:00
Yes. Flammability and defect claims can name the retailer, particularly for children’s clothing.
What’s the most common claim?Gravity Certs2026-08-17T23:08:09-04:00
Customer slip-and-fall, followed by fitting room injuries. Frequency is high, severity moderate.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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