Business Insurance for
Clothing Manufacturers Insurance
Clothing manufacturer general liability insurance will protect your business and assets from a wide array of legal and financial woes. From protection in the form of medical expenses in an accident at your shop, for example, to a reaction caused by clothing you sell, general liability will be silently protecting your growing business.
Bodily Injury Coverage
Clothing manufacturer general liability insurance provides you coverage in the event that there is an accident on your site and your business is at fault. Additionally, any clothing that goes out your doors also is covered in the event it causes a reaction or injury. Even potential cases of mental suffering caused by your company are covered from legal and medical expenses that may result.
Your policy will reimburse others, regardless of the policy holder’s liability, for any resulting medical or funeral expenses that have been incurred by the individuals as a result of bodily injury (BI) or in the case of death that was sustained by an accident under the conditions stated on the policy.
Important protection in the event that your company or anyone who represents your company damages property is covered with this portion of the liability insurance. Property damage coverage protects you from financial and legal expenses, whether they occur in your shop or another location.
Fire Legal Liability (Premises Liability)
Under your clothing manufacturer general liability insurance plan, the structures and buildings that you use for the purpose of your business are subject to the “damages to premises rented to you” limit and are covered under the standard commercial general liability (CGL). This coverage typically is given as an exception to what is excluded in the policy applicable to property under the insured’s care, custody, or control (CCC).
Products And Completed Operations
Owning a business always puts you at risk for legal action against your company if a customer is not satisfied with your products. Products and completed operations provides you with coverage in this instance as well as if your product harms them or damages property in any way.
Personal And Advertising Injury
In the event you are faced with a lawsuit that falls under the realm of slander, libel, discrimination, and other related claims, you will be covered from legal and other financial loss by having personal and advertising injury protect you in your clothing manufacturer general liability insurance plan.
In cases of property damage to buildings and structures you have opted to list on your clothing manufacturer general liability insurance plan, you will have coverage to these as well as coverage for additional improvements or construction you have made, provided it is a permanent change.
Business Personal Property Coverage
Contents coverage typically applies to what you have stored inside your clothing manufacturing location. You can elect to have your equipment, your products, and even furnishing and file records protected under your clothing manufacturer business insurance plan (BOP).
Additional Coverage Available Under BOP
Additional coverage you may elect for your clothing manufacturer business plan includes: Income and Extra Expense, Employee Dishonestly, Valuable Papers, Inland Maine, and Care, custody, and control, as well as Hire and Non-owned Auto.