Luggage Manufacturer Insurance

Authored and Reviewed by: Sam Meenasian, Licensed Insurance Professional (CA License #0F75955) Last Updated 1/20/2026

This overview is for educational purposes only and is not legal, tax, or insurance advice. Coverage terms and availability vary by state, carrier, and risk.

Global demand for luggage and travel bags is widely reported in the tens of billions of dollars, and forecasts often project continued growth. Whether you produce suitcases, backpacks, briefcases, computer cases, or other types of bags, you may need to attain luggage manufacturer insurance in order to protect yourself, your employees, and your customers. Before you start looking for a policy, you should get to know the types of coverage that make up this kind of business insurance.

We’ve specialized in Luggage Manufacturer insurance since 2007, backed by nearly two decades of experience in commercial insurance.

General Liability

Property Coverage

Auto Insurance

Workers Compensation

General Liability for Luggage Manufacturers

General liability insurance can help cover third‑party bodily injury and property damage claims if your business is alleged to be responsible, subject to the policy’s terms, conditions, and exclusions. Similarly, it helps cover the medical bills of anyone who is hurt while using the luggage your company makes. If your product somehow damages someone’s personal property, you might need the general liability coverage that comes with your luggage manufacturer insurance policy. And if another company accuses you of copying their ideas, slogans, or advertising content, or even committing slander or libel, liability helps cover the lawsuit.

Business Owners Policy (BOP)

When you own a luggage manufacturing company, you may need a business owner’s policy, which features several types of coverage meant to protect your business. Examples of what this covers include business personal property, valuable documents, and drain or sewer backup. More broadly, if your building and its contents are damaged by fire or vandalism, your BOP helps cover the cost of repair or replacement. The same coverage helps pay to replace covered items stolen by a burglar or during a robbery.

Commercial Auto Coverage

When you use your car to travel for your business, you should keep in mind that your personal car insurance policy may not cover any collisions you might have. This means that if you or your employees cause an accident while delivering luggage or performing any other business-related errands, you may likely have to pay for any resulting property damage or medical treatment. This is why you may need commercial auto coverage as part of your luggage manufacturer insurance, since this may help pay for any car accident claims related to your business.

Workers Comp Insurance For Luggage Manufacturers

Workers’ compensation rules vary by state. In many states, coverage is required once you hire employees; in other states, exemptions and opt‑out rules may apply. A licensed agent can confirm the requirements for your location and operations. Without workers' comp coverage, any injured employees could hold you responsible for the cost of medical treatment, rehabilitation, lost wages, and any other damages.

Excess Liability

You have luggage manufacturer insurance to cover any lawsuits that may be brought against your company, but sometimes the minimum coverage might not be enough. That’s why you need excess liability. If you are ever faced with an expensive lawsuit that exceeds your liability limits, you will be glad to have excess liability available to cover the extra costs. Without it, you may be expected to pay for the remaining costs after your regular policy limits are exhausted.

Common risks for luggage manufacturers

Product defect allegations, materials failure, zipper/wheel breakage injury, chemical adhesive exposure, supply-chain interruptions, retailer contract requirements, cargo/shipping damage.

Coverage checklist (core + optional)

Core: CGL (products/completed ops), property, business income, workers’ comp (where required), commercial auto / HNOA, umbrella/excess.

What impacts cost

Payroll/class codes, sales volume, distribution footprint (US vs international), claims history, product types/materials, safety/QA processes, property values, fleet exposure.

What underwriters usually ask for

Annual sales, payroll, products/materials, quality controls, supplier locations, contracts/required limits, loss runs, building details, shipping methods.

Why choose us

Numbers that prove it.

Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.

1,000+

Trades Insured

18+

Years In Business

240+