Boutique Insurance

Boutique Program

Protect your business with a company you can trust. Whether your boutique sells apparel, suits, or accessories, your customers depend on you to help them look their best. Let Blue River Insurance Group dress up your business with the right insurance protection.

Coverage Highlights

Employment Practices Liability Provides coverage, including defense costs, for wrongful employment acts. This may include harassment, wrongful termination, discrimination and more.

Employee Benefits Provides coverage for negligent acts, errors or omissions on you in the administration of your employee benefits program.

Cyber Liability Protects sensitive customer information that you collect and store electronically, along with protection for your computer system from potential harm.

Business Income and Extra Expense Protects you against lost revenue and extra expenses you may incur while your business is being repaired or reconstructed from a covered loss.

Electronic Data Processing Equipment Covers direct damage to unscheduled electronic data processing equipment.

Employee Dishonesty Covers the dishonest acts of any of your employees and covers your business personal property, including money and securities.

Money and Securities Covers loss to money and securities inside and outside the property.

Workers Compensation Provides costs for both medical and wage loss if an employee is hurt on the job.

Claims Examples

Property damage claim: If the boutique's physical location, inventory, fixtures, or equipment are damaged or destroyed due to events like fire, water damage, theft, or vandalism, a property damage claim can be made to cover the cost of repairs, replacement, or reimbursement.

Liability claim: This can arise if a customer or visitor is injured while on the premises of the boutique, such as slipping and falling or being injured by a falling object. The claim may cover medical expenses, legal fees, or settlements if the boutique is found liable for the injury.

Product liability claim: If a product sold by the boutique causes harm or injury to a customer, a claim may be filed. This can include claims related to allergic reactions, defects, or injuries caused by the product.

Theft or burglary claim: If there is a break-in or theft of merchandise, cash, or equipment from the boutique, a claim can be filed to cover the value of the stolen items or damage caused during the theft.

Business interruption claim: If the boutique is unable to operate due to a covered event, such as a fire, natural disaster, or utility outage, resulting in a loss of income, a claim can be made to compensate for the financial loss during the interruption period.

Cyber liability claim: If the boutique experiences a data breach, unauthorized access to customer information, or other cyber-related incidents, a claim can be made to cover the costs associated with managing the breach, notifying affected parties, and potential legal actions.

Employee injury claim: If an employee at the boutique is injured or becomes ill while performing work-related duties, they may file a workers' compensation claim to cover medical expenses, lost wages, or disability benefits.

These examples provide an overview of the types of insurance claims that a boutique may encounter. It's important for boutique owners to review their insurance coverage and consult with an insurance professional to ensure they have appropriate coverage to protect against potential risks and liabilities specific to their business.

How to get started on your quote

Blue River Insurance Group will help you find the best coverage possible for your business!

Call us today or head over to our Business Insurance page to get a quote started online.