Clothing Repair & Alterations Business Insurance

General Liability Insurance Includes:

• Premises Liability – Premises liability is the section of your general liability policy that protects you from legal action when customers hurt themselves in your clothing repair store, or on property own by your company. If a customer is injured, this insurance pays for the medical care they require and related follow-up care. It also protects you when a customer’s personal property is damaged at your business, because it pays for any needed repairs.
• Products Liability – When you make or sell products to your customers, you are at risk of future legal action because of those products. If the customer sustains an injury from products you’ve sold, or if their personal property is damaged in some way, your clothing repair and alteration shop will have to pay for the damages or injuries. Products liability covers those expenses for you. It can also provide you with the means to pay for legal defenses and settlements.
• Completed Operations – After you have completed an operation ordered by your customer, such as finishing the clothing alterations they requested, there is a chance that problems will arise in the future. If your customer feels you have caused them injury, suffering or damages from the services you provided, your completed operations insurance can pay related settlements or judgments and damages.

Business Owners Policy

A business owners policy includes general liability along with other business insurance protection. Protection in a BOP is focused on your tangible and intangible business assets. Depending upon the options you choose, you can have business insurance for a variety of things. Examples include:

• Buildings and Contents
• Business Income and Extra Expense
• Electronic Data
• Newly Acquired or Constructed Buildings
• Employee Dishonesty Coverage