Costume Designer Insurance
Coverage for costume designers who both deliver a finished wearable garment and provide design judgment a client may later dispute.
What this coverage is intended to address
- ✓Product liability for a finished costume alleged to cause injury, such as a fabric or fastener that harms a wearer
- ✓Third-party bodily injury or property damage that may arise during fittings, deliveries, or on-set work
- ✓Allegations of a design error or missed specification, which professional liability insurance — also called Errors & Omissions (E&O) insurance — is generally intended to address
Coverage products commonly considered
Most costume designer 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 stage costume's treated fabric is alleged to have caused a performer's skin reaction — product liability is intended to respond in the event of a covered claim.
- A client alleges a delivered design failed to meet an agreed flame-resistance specification and a show was disrupted. Professional liability / E&O coverage is generally intended to respond to allegations of a design error of this nature.
Frequently asked questions
Why would a costume designer need both product and professional liability?
A costume is a physical product that could be alleged to cause harm, which product liability may help respond to, while a disputed design choice or missed spec is a service error that professional liability insurance — Errors & Omissions (E&O) insurance — is generally intended to address. The two respond to different allegations.
Does this account for injuries during fittings?
Fittings and on-set work bring people into close contact with pins, equipment, and garments. General liability is generally intended to respond to resulting third-party bodily injury, subject to the policy form.
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