Apparel / Clothing Maker Insurance
Coverage built for apparel makers selling handmade clothing at shows and online.
What this coverage is intended to address
- ✓Product liability for a finished garment alleged to cause harm, such as a skin reaction to a dye or fabric
- ✓Third-party bodily injury and property damage at markets, craft fairs, and pop-up shows
- ✓Damage to a venue or its property while you display and sell apparel
- ✓Online and marketplace sales when those channels are disclosed on the policy
Coverage products commonly considered
Most apparel / clothing maker operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A customer alleges a dyed garment caused a skin reaction and seeks compensation. Product liability coverage is generally intended to respond to allegations that a finished item caused harm in the event of a covered claim.
- A clothing rack falls at a pop-up market and injures a shopper. General liability coverage is generally intended to address third-party bodily injury allegations of this nature.
Frequently asked questions
Do apparel makers need product liability coverage?
Many do. Product liability is generally intended to respond to allegations that a finished garment caused harm, such as a reaction to a dye or fabric, while general liability is intended to address incidents at the markets and shows where the items are sold. Eligibility and pricing vary by carrier and state.
Are my online and marketplace clothing sales covered?
They generally can be when you disclose those channels on the application. Selling apparel through a website or online marketplace is common, and disclosure matters because undisclosed sales channels may not be addressed in a claim. A licensed insurance professional can confirm the details.
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