California’s apparel manufacturing scene is vibrant, creative, and global — but also highly exposed to risk. From design rooms in DTLA to warehouse shipments heading overseas, apparel manufacturers face unique vulnerabilities that require specialized protection.
At Rincon Insurance Agency, we understand these challenges. We go beyond basic business insurance by offering tailored solutions backed by global capabilities, a guaranteed cost structure, and seamless Financial Lines/Media Liability integration. Let’s dive into the essential coverages that safeguard your business — and why partnering with the right broker makes all the difference.
The fashion industry isn’t just about fabrics — it’s also about contracts, global shipping, IP rights, and demanding retailers. That’s why apparel manufacturers in California need more than general liability. You need coverage that protects your people, products, and reputation across every stage of the process.
This package includes a suite of executive risk policies like:
Directors & Officers (D&O) liability
Employment Practices Liability (EPL)
Fiduciary liability
Workplace Violence expenses
📌 Why It Matters: Apparel manufacturers often work with contractors, vendors, and investors. If an employment-related lawsuit or internal fraud arises, Financial Lines provide defense and settlement costs — while Workplace Violence coverage assists with PR, crisis response, and business continuity following a physical incident.
This protects your business from third-party bodily injury, property damage, and advertising injury — worldwide.
📌 Why It Matters: Whether you're at a New York tradeshow, shipping to Asia, or working with an overseas distributor, your liability coverage must follow you globally. Rincon partners with carriers equipped to do just that — no gaps, no surprises.
Covers claims related to defamation, IP infringement, or advertising injury — especially relevant to branded content, influencer marketing, and e-commerce.
📌 Why It Matters: Say your product name resembles another brand or you feature a model without proper releases — you could face a costly IP lawsuit. Media Liability defends your brand’s voice and image in the public eye.
This provides additional coverage beyond your GL, Auto, and Employers Liability limits.
📌 Why It Matters: If a major lawsuit exceeds your primary policy limits, an umbrella policy can save your business from devastating out-of-pocket costs. It's a financial cushion that scales with your risk.
Required in California, this covers employee injuries, lost wages, and rehabilitation if someone is hurt on the job.
📌 Why It Matters: From sewing machine injuries to warehouse slips, workers’ comp keeps your employees protected and your company compliant with state law.
We’re not your average insurance broker. Here’s how we deliver value:
Global Capabilities: Our carrier partnerships support manufacturers who source, ship, or sell internationally.
Guaranteed Cost Structure: Budget confidently with flat-rate pricing — no surprise hikes after claims.
Integrated Financial & Media Liability Solutions: Protect your leadership and your brand with smart bundling that complements your global casualty program.
Disclaimer: This blog post is intended for informational purposes only and does not constitute legal, financial, or insurance advice. Coverage needs and requirements can vary based on individual circumstances, event details, and state regulations. For tailored recommendations and policy guidance, please consult with a licensed insurance professional. Rincon Insurance Agency provides services specifically within the state of California.
