Apparel Insurance

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General Liability
Equipment Coverage
$1,000,000 Limit
Pause Policy
4.7/5 stars from 467 reviews on Trustpilot
Best insurance for the Smallest Businesses

As a fashion designer, why do I need apparel insurance?

Whether you upcycle vintage attire, screen print t-shirts, or sew bespoke suits, you help clients find the perfect fit. People rely on you to make sure their style is on-point, and nothing makes you happier than seeing your designs tagged in their selfies.

But as with any other small business, there’s always the chance that something could go wrong, especially when it comes to people’s looks.

Get buttoned up with insurance so that you can focus on what you do best—making fabulous garments.

What does Apparel Insurance cover?

Apparel makers need well-rounded insurance coverage. That’s why we designed our Apparel Insurance to include general liability insurance, which includes product liability insurance. It provides the investigation and legal defense for claims related to these kinds of incidents:

Non-employee, third party bodily injury: You design a new line of duds featuring studs and safety pins. They’re edgy—literally. Should a client stab themself while trying on a vest and sustain an injury, you could be held liable. With general liability insurance, you could be covered.

Third-party property damage: People frequently visit your workshop to view your wares. Should you accidentally damage anything they own, you could be held liable for property damage. General liability insurance can protect you from having to pay out of pocket for its repair or replacement.

Personal injury & advertising: You draw inspiration from everything around you, including other artists. But should one of them sue you for copyright infringement, you could be held liable. That’s where general liability insurance comes in.

Thimble’s Apparel Insurance does not cover the following apparel makers:

  • Clothing for babies and young children
  • Safety/protective clothing
  • Fireproof/fire resistant clothing

Does Thimble’s Apparel Insurance include product liability coverage?

Yes! If you sell a newly dyed jacket and the dye did not dry properly, it could stain the client’s shirt. Even if the dye came off in a load of laundry, you could be held liable for their property damage as it was caused by your product.

With Thimble, product liability coverage is included in our monthly and annual general liability insurance, meaning you’re covered.

While some holes are part of the design, holes in your general liability coverage shouldn’t be there. With product liability, you can protect your apparel business from claims that happen after the sale, when the product is in the customer’s hands.

Still have questions?

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