Rented out, returned covered.
Property for rental stock in the store and out with customers, general liability, alterations and workers' comp for tuxedo, gown, suit and costume rental shops.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Garments that leave and come back
Rental shops own garments that spend much of the year in customers' hands. Stock comes back damaged or stained, or not at all, and wedding and prom seasons push values and foot traffic to a peak.
I look for property that covers your garments away from the store, not just on the racks, plus general liability for fittings and the showroom. Shops with tailoring, cleaning or steaming equipment get that on the policy too.
- PropertyRental stock at the store.
- Off-premisesGarments out with customers.
- General liabilityFitting room and showroom injuries.
- EquipmentPressing, steaming and sewing machines.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Store: address and square footage.
- Stock: garments owned and their value.
- Out on rent: typical value out at one time.
- Services: alterations or cleaning on site.
- Seasons: busiest months.
- History: current policies and claims.
Rental shop insurance, answered
Are garments covered while they're rented out?
Only if the policy covers property away from your premises. Many standard store policies limit it, so I check.
What about garments that are never returned?
Property insurance usually doesn't cover that. Deposits and your rental agreement are the main protection.
Do I need coverage for alterations?
If you tailor garments customers own, damage to them is an exposure that can be added.
Can my limits change for prom and wedding season?
Some policies can raise stock limits for set months. Tell me when you're busiest.
Do you offer tuxedo and costume rental insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
Send the store and your stock value. I'll shop it.
Address, garments owned and your busiest months are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.