Clothing manufacturers manage risks tied to fabric supply, production lines, and distribution. The core coverages include:
- General Liability – Protects against third-party injuries or property damage, such as slips in a factory or client site visits.
- Commercial Property Insurance – Covers factories, warehouses, sewing machines, and inventory against fire, theft, or storm damage.
- Workers’ Compensation – Required in most states if you employ staff; covers workplace injuries such as repetitive strain, cuts, or equipment accidents.
- Product Liability – Protects against claims if garments are defective or cause harm to consumers.
- Business Owner’s Policy (BOP) – Bundles liability and property protection, often with income coverage for production shutdowns.
