Fashion Forward, Risk Ready
Whether you’re producing activewear, denim, or designer collections, running an apparel manufacturing business in California requires more than creativity—it demands protection. From fabric sourcing and pattern cutting to mass production and global shipping, every stage presents risks. With Apparel Manufacturing Insurance, you can keep your operations secure against accidents, lawsuits, equipment breakdowns, and more.
What’s Included in Apparel Manufacturing Insurance?
Customised to meet the needs of fashion and textile producers, a typical apparel insurance policy includes:
General Liability Insurance – Covers third-party injuries or property damage claims at your manufacturing facility
Commercial Property Insurance – Protects buildings, fabric stock, design software, machinery (like cutters, sergers, and sewing machines), and more
Workers’ Compensation – Required in California, this covers medical expenses and wage replacement for injured employees
Product Liability Insurance – Essential if defective garments result in injuries or legal claims
Business Interruption Insurance – Recovers lost income if your production is paused due to a covered event (e.g. fire or flood)
Equipment Breakdown Insurance – Covers repair or replacement costs for critical machines and tech
Inland Marine Insurance – Protects goods in transit to retailers, distribution centres, or warehouses
Want a simplified package that includes multiple coverages? Explore our Business Owners Policy (BOP) options here.
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Key Risks Covered for Apparel Manufacturers
Apparel production is fast-paced, and risks can appear anywhere along the line. Common exposures we help insure against include:
Fabric fires or flammable material hazards
Machine breakdowns (e.g., industrial sewing or cutting machines)
Employee injuries from repetitive tasks or equipment use
Theft or vandalism of garments or materials
Supply chain disruptions that affect delivery and deadlines
Lawsuits from allergic reactions or faulty zippers, buttons, or accessories
Protect your brand and reputation with full-spectrum coverage tailored to the fashion industry. Learn more about full manufacturer insurance options here, or review your general liability needs here.
Frequently Asked Questions
Do I need coverage if I outsource sewing or garment assembly?
Yes. You may still be liable for product defects or accidents tied to third-party vendors.
What if I sell online or internationally?
Global and eCommerce product liability insurance is available to ensure you’re protected across borders.
Can I cover seasonal workers or part-time seamstresses?
Yes. Workers’ comp and employee coverage can be customised for all employment types.
Are sample collections, prototypes, or small batch runs covered?
Yes. These can be included under your commercial property or inland marine policies depending on usage.
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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.