Insuring Your Textile Operations from Weave to Warehouse
Textile manufacturing is the backbone of countless industries—from apparel and upholstery to industrial fabrics. But with high-speed machinery, flammable materials, and global supply chains, the risks are anything but soft. That’s why Textile Manufacturing Insurance is designed to cover the specific hazards your business faces daily. From fire damage and equipment breakdowns to workplace injuries and product liability, you can count on protection that keeps your production flowing smoothly.
What risks does your policy cover?
A well-rounded textile insurance policy is tailored to the realities of production floors and dyeing stations. Common coverages include:
General Liability Insurance – Protection from claims involving bodily injury or property damage to third parties
Commercial Property Insurance – Covers damage or loss to your building, looms, weaving machines, dye tanks, or raw stock
Workers’ Compensation – Provides medical care and wage replacement for employees injured during cutting, dyeing, or packaging
Equipment Breakdown Insurance – Covers sudden mechanical failures that could halt your weaving or spinning operations
Business Interruption Coverage – Helps compensate for income loss during unexpected downtime after a covered event
If your operations include contract manufacturing, embroidery, or dyeing for other brands, you may also require product liability coverage to protect against claims involving defective or harmful fabrics.
For broader protection, many textile business owners bundle these coverages into one efficient package. Explore your options with a Business Owners Policy here, or learn about core liability coverage here.
What Risks Does Your Policy Cover?
Whether you’re manufacturing polyester blends or organic cotton sheets, the risks are real:
Fire hazards from lint buildup or flammable dye chemicals
Equipment breakdown in looms, spinning machines, or dyeing vats
Workplace injuries during cutting, sewing, or finishing tasks
Property theft or vandalism
Customer lawsuits due to allergic reactions or defective goods
Income loss after a plant shutdown from covered damages
To manage these risks, consider working with insurance experts who understand California’s textile landscape. Visit this page for complete manufacturer coverage solutions.
Frequently Asked Questions
Are raw materials like cotton, wool, and synthetic fibres covered?
Yes, your policy can include raw material inventory under commercial property insurance.
Can I insure subcontractor work or outsourced manufacturing?
Yes, but you may need to add specific endorsements or additional insureds depending on contract terms.
Is coverage available if I sell finished goods online or overseas?
Absolutely. You can extend product liability and business protection to account for domestic and international distribution.
Do I need a surety bond or certificate of insurance for vendor contracts?
Many vendors require it. Learn about surety bond solutions for textile contracts.
POLICIES
POLICIES
DISCOUNTS
DISCOUNTS
CLAIM
CLAIM
Still Have Questions?
Whether you’re expanding your floor space or integrating new robotic automation, let’s make sure your insurance grows with your operation. Our team works closely with manufacturers across California to deliver scalable coverage that protects your shop now—and into the future.