Which of the following liability exposures is most likely for a small specialty clothing retail boutique?

The most likely liability exposure for a small specialty clothing retail boutique is premises liability exposure. This type of exposure arises from the potential risks associated with customers and visitors coming onto the boutique's property. Retail establishments have a responsibility to maintain a safe environment for customers, which includes addressing hazards such as wet floors, uneven surfaces, or improperly stored merchandise that could lead to injuries.

In the context of a clothing boutique, customers may slip, trip, or fall while browsing through the store, making it crucial for the business to ensure that the premises are safe and well-maintained. If an injury occurs due to a lack of maintenance or attention to safety, the boutique could be held liable for damages, which emphasizes the importance of having sufficient premises liability insurance.

While the other exposures listed, such as product liability, professional liability, and employer liability, are relevant in different contexts, they are less likely to be the primary concern for a small retail clothing boutique. Product liability exposure pertains specifically to the items sold and is more critical for manufacturers or sellers of goods that might pose safety risks. Professional liability relates to services provided rather than products, which is not the main focus of a retail boutique. Employer liability exposure is important in terms of worker-related claims, but for a small