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A tailor provides very specialized clothing services day in and day out. Designing pants, jackets, and creating custom-made suits and other clothing is your bread-and-butter. Tailor shop owners face unique risks in their businesses. Some of the risks involved may include possible theft of your clothing, accidental fires, floods that damage your property, or even electrical outages that might negatively affect your operations. As a professional tailor, it is crucial to ensure that your financial assets are protected and fully covered from any potential risks with the appropriate small business insurance.
Business insurance for tailors is wide and varied, and each insurance company has its own policies that specifically protect tailoring businesses at different levels. You have the option to choose from the following options for optimum coverage:
This is one of the most important insurance coverages for your tailor shop since it covers a broad range of unexpected events. For instance, if a customer is accidentally injured in your business premises, you can be held legally responsible for the injury. However, with general liability insurance, you are assured of protection that covers lawsuits, damages, and associated medical expenses. It is the best way to protect your customers and your business from liability.
A business owner policy, popularly known as a BOP, is more of an insurance package, and it covers a variety of potential risks. It is designed for small business owners like you and allows you to choose the right option for your business.
A very basic BOP includes general liability coverage and property insurance. Here are some of the coverages a BOP can include:
If you work with high-end luxury suits and tuxedos or vintage family heirlooms, you cannot afford to make an error or mistake. If you make an error or are accused of professional negligence that damages these expensive pieces of clothing, professional liability insurance covers cost associated with potential lawsuits or settlements.
While your tailor shop may not be majorly involved in pickups and delivery, it is necessary to have commercial auto insurance. Commercial auto coverage will protect your car in case it is involved in an accident—whether you use a company vehicle or your personal vehicle.
If you have more than one employee, you are legally required to have workers' compensation insurance in most states. Workers' comp protects you and your company from paying medical bills and related expenses in case of an accident while using sewing machines, chemical dyes, or heavy materials during the job.
Tailor shop insurance policies cover almost all aspects of your job, but only if you have the right insurance policy. That’s why it’s so essential to look for proper business insurance. At Commercial Insurance net, we understand the need for reliable, dependable, and professional expertise for your tailor shop insurance matters. Whether you're simply looking for basic general liability insurance or need workers' comp, we are here to help your business thrive by finding you affordable quotes for your commercial insurance. Complete the form above and one of our agents will contact you soon!