This general liability program is designed for businesses that manufacture, import, distribute, or sell textile and related products. It helps cover third‑party claims for bodily injury, property damage, and personal/advertising injury that can arise from normal business operations, product defects, premises exposures, or ongoing operations such as shipping and installation.
Who needs it
Small and mid‑size manufacturers, importers, wholesalers, and retailers in the apparel and textile supply chain commonly purchase this coverage. For example, garment makers and apparel retailers often combine product liability with premises protection — learn more about specialized apparel options on the Safeguard Your Apparel Business with Specialized Liability Insurance page.
What it typically covers
Typical coverages include:
- Commercial general liability for customer injuries and property damage
- Products and completed operations liability for defective or dangerous items
- Medical payments for minor injuries at your facility
- Advertising injury for alleged trademark or slander claims
Programs for manufacturers and importers often bundle endorsements and tailored limits — see the Manufacturers/Importers General Liability Program for program details. Related exposures that underwriters consider include commercial auto exposure for delivery vehicles, equipment coverage for on‑site machinery, and product recall reporting procedures.
Common exclusions or limitations
Exclusions frequently found in policies include damage from intentional acts, employer’s liability (workers’ comp is separate), pollution unless endorsed, and warranty or recall costs unless a specific recall or product withdrawal endorsement is added. Specialized industries such as wood or rigid‑goods manufacturers may face additional limitations; see how those programs differ on the Wood Products, Manufacturers and Importers General Liability Program page.
Factors that influence cost
Premiums and underwriting decisions reflect several factors: annual revenue, product types and manufacturing processes, claims history, distribution footprint (domestic vs. international), safety and quality control programs, and limits/deductibles chosen. Risk management practices such as testing protocols and written quality controls can reduce exposure and cost.
Proof of insurance & compliance
Clients often need certificates of insurance to show retailers, vendors, or contract partners. Certificates typically list liability limits, named insureds, and any required additional insured endorsements. Maintain up‑to‑date evidence when shipping to large retailers or when contracts require specific limits or wording.
How to get a quote
To get an accurate quote, prepare basic company information (years in business, revenues by product line, claims history, distribution channels) and any existing loss‑control documentation. If you prefer personal assistance, talk to your agent who can gather details and compare program options. A typical risk scenario might involve a consumer injury from a defective seam or a shipping damage claim that triggers a products liability inquiry.
Frequently Asked Questions
Do manufacturers need separate product liability coverage?
Product liability is commonly included within a general liability program under products and completed operations, but limits and specific endorsements should be reviewed to ensure adequate protection.
Will this policy cover exports to other countries?
Coverage for international sales varies by policy and territory restrictions. Disclose your export activity to underwriters so appropriate territory endorsements can be added if available.
Can I add additional insureds for retail partners?
Yes. Most programs allow additional insured endorsements for vendors, landlords, or contract partners; request the specific wording required by the certificate holder when you bind coverage.
Still have questions? Talk to a local insurance expert.