If you sell clothing under your own brand name, label or design, you may be legally responsible if a product causes injury or damage. Even if garments are manufactured overseas or by third-party suppliers, liability can still rest with the retailer.
Product Liability Insurance from Insure24 protects clothing retailers against claims arising from defective, unsafe or faulty clothing products.
This cover is particularly important for retailers selling children’s clothing, babywear, accessories or garments with fastenings, cords or embellishments.
Retailers selling own-brand clothing are often treated as the manufacturer in the eyes of the law. This means you can be held liable even if production is outsourced or imported.
Product liability claims involving children’s clothing can be severe. Items such as drawstrings, buttons, embellishments and fabric treatments are subject to strict safety standards.
If a defect is identified, you may need to recall or withdraw products from sale. Optional recall cover helps manage these costs.
Appropriate limits depend on product type, customer base and distribution channels. Children’s clothing and online sales often require higher limits.
Do clothing retailers need product liability insurance?
If you sell own-brand or private-label clothing, product liability insurance is strongly recommended to protect against injury claims.
Am I liable if a supplier manufactured the clothing?
Often yes. Retailers can be held liable even if garments are manufactured by third parties, particularly for own-brand products.
Is product liability included in public liability?
Sometimes, but limits may be insufficient. Dedicated product liability cover ensures adequate protection.
Does product liability cover online sales?
Yes. Cover can include products sold online, subject to territory and policy terms.
Can Insure24 review my product exposure?
Yes. Insure24 can review your products, suppliers and sales channels to recommend appropriate product liability cover.
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