Insurance for clothing manufacturers.
Product liability that reflects garment safety and flammability standards, cover for fabric and finished stock, and a broker who understands the difference between knitwear, embroidery and general clothing production.
Clothing manufacturing insurance
Usually includes
Product liability
Employers’ liability
Premises & contents
Stock & raw materials
Plant & machinery
Business interruption
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The premises, your plant, your stock and your product liability, priced in one go rather than piece by piece.
Know your cover
What is clothing manufacturing insurance?
Garment manufacturing carries product risk that varies sharply by item. Children’s nightwear has flammability requirements that a printed t-shirt doesn’t, and leather brings its own considerations. Cover is built around what you actually produce.
Protects against your product
A garment that causes a reaction or fails a safety standard. That’s what product liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, whether cutting, sewing or finishing.
Protects your materials and stock
Fabric rolls, trims, and finished garments awaiting dispatch.
Who it’s for
Whatever you produce.
✓
Garment manufacturers
Cut-and-sew production at any volume.
✓
Knitwear producers
Knitted garments and machine-knit production.
✓
Embroidery workshops
Embroidered garments, workwear and branded clothing.
✓
Workwear & uniform makers
Corporate, industrial and hospitality workwear.
✓
Bespoke & small-batch makers
Made-to-order and limited-run garment production.
✓
What we cover
Cover built around what you make.
We get to know your materials and process first, then build the policy around it.
Product liability
A garment that causes a reaction or fails a safety standard. This is cover for what happens after it’s sold.
Employers’ liability
Cutting, sewing and pressing all carry injury risk, required by law with staff.
Premises & contents
Your workshop, studio or unit, and the fixtures inside it.
Stock & raw materials
Fabric rolls, trims and finished garments, from delivery to dispatch.
Plant & machinery
Cutting tables, industrial sewing and embroidery machines.
Business interruption
Lost orders while production is stopped, not just the repair bill.
Legal expenses
Product disputes, supplier disagreements and the cost of defending a claim.
Goods in transit
Delivering finished garments to retailers, wholesalers or customers.
Cyber & data
A compromised control system stopping production, and the traceability records you would have to rebuild.
Who this cover tends to suit.
This cover is generally bought by clothing manufacturers. It brings together product liability, employers’ liability (where staff are used) and cover for premises, plant and stock. It won’t suit every business. If your risk profile is different, tell us and we’ll pick it up when we speak.
Worth knowing
Check the details before you choose.
Garment safety standards
Flammability and safety rules vary sharply by garment type.
Children’s clothing
Nightwear and childrenswear carry specific regulatory requirements.
Leather & specialist materials
Some materials are treated separately for underwriting purposes.
Export markets
Where your garments end up can change your liability exposure.
Every garment has its own risks.
A knitted jumper and an embroidered workwear jacket don’t carry the same risk, so we ask different questions for each.
Garment manufacturing
Knitwear
Embroidery
Workwear
Uniforms
Cut & sew
Sportswear
Childrenswear
Garment manufacturing
Knitwear
Embroidery
Workwear
Uniforms
Cut & sew
Sportswear
Childrenswear
Printed clothing
Branded apparel
Bespoke tailoring
Small-batch production
Fashion manufacturing
Trade clothing supply
Hosiery
Accessories
Printed clothing
Branded apparel
Bespoke tailoring
Small-batch production
Fashion manufacturing
Trade clothing supply
Hosiery
Accessories
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
We ask about safety standards first
Safety standards, fabric risk, production volume. We know what moves a garment maker’s premium.
02
Cover that reflects what you produce
Knitwear and embroidered workwear carry different risk. We build around your actual output.
03
Product liability that fits your process
Materials, safety compliance, end market. All change the risk. We set it up properly.
04
We present the risk right
Garment type, volume, export markets. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your clothing manufacturing cover and costs.
Told your product’s too niche to place easily? Not for us. Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Flammability and safety rules vary sharply by garment type, and insurers look closely at what you actually produce.
Childrenswear and nightwear carry specific regulatory requirements that sit directly on your product liability risk.
We approach insurers on our panel who write clothing manufacturing risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Clothing manufacturing questions, answered straight.
What insurance does a clothing manufacturer actually need?
Do garment safety standards affect my cover?
Am I covered if a garment I made causes a reaction or injury?
Does working with leather change my cover?
What if I do embroidery as well as manufacture?
Is my machinery covered if it breaks down?
How does exporting affect the cover?
What happens if I run more than one site?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.