Insurance for Clothing and Apparel Manufacturers
Why do clothing manufacturers need business insurance?
From damaged equipment to factory injuries and fires, apparel manufacturers face a wide range of risks. Business insurance provides peace of mind and financial protection against lawsuits, accidents, and theft of apparel. Some policies, such as workers' compensation, may be required.
Find the right coverage
Insureon helps clothing and apparel manufacturers find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do clothing and apparel manufacturers need?
These insurance policies cover common clothing manufacturer risks.
General liability insurance
A general liability policy covers third-party business risks, such as a slip-and-fall accident involving a delivery person, an accusation of copyright infringement, or harm caused by a product.
- Slip-and-fall accidents
- Copyright infringement lawsuits
- Product liability insurance
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for clothing manufacturers to buy general liability coverage and commercial property insurance together.
- Customer injuries
- Business property damage
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for clothing manufacturing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
Cyber insurance helps apparel manufacturers recover financially after a data breach or cyberattack. It's strongly recommended for any business that stores customer information.
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy covers the cost of an accident involving a vehicle owned by your garment manufacturing business. Almost every state requires this coverage for vehicles owned by a business.
- Medical bills from an accident
- Property damage caused by your vehicle
- Auto accident lawsuits
Commercial umbrella insurance
Umbrella insurance boosts coverage on a manufacturer's general liability insurance, commercial auto insurance, or employer’s liability insurance once the limit is reached.
- Customer injury lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
How much does insurance cost for manufacturers?
The owner of a small clothing manufacturing company can expect to pay less for insurance than a larger business.
Factors that affect the cost of business insurance include:
- Type of products
- Business property and equipment
- Business income
- Location
- Type of coverage, such as equipment breakdown insurance
- Policy limits and deductibles
How do I get clothing manufacturer business insurance?
It's easy to get clothing manufacturer insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your clothing factory, whether you work independently or hire employees.
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