Clothing Business

To some individuals, clothing is a vehicle for self-expression; others focus on quality construction for protection against the elements. No matter what your personal preference, clothing is essential!

This universal need means there are thousands of home-based businesses selling fashion pieces of wildly varying types. Click on the clothing business categories below to see detailed descriptions of pre-qualified businesses.

Embroidery

We provide coverage options for embroiders and designers whose business focuses on the ornamentation of fabric with needlework. Qualifying businesses can do this by hand or machine. If completed in conjunction with other crafts, we require applicants to show these as a secondary business.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Ladies’ & Girls’ Clothing

For those business operations that manufacture and sell merchandise for women and girls, we provide coverage for clothing and accessory items. These can include belts, purses, hats, shoes, etc. Clothing and accessories for infants and toddlers are not eligible under this business class.

Representatives and distributors of the following operations are eligible: Angela Moore Inc., Barefoot Parties, Butterfly Worldwide LLC, Chic Pursenality Inc., Claire Murray Home Gallery, Destinations Fashions, Million Wishes, Nefful U.S.A. Inc., Occasionally Handbags, Purse Party, PURSEnality Etcetera, Schu La La, The Finest Accessories Inc., Lularoe and Weekenders USA Inc.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Lingerie

To qualify under this business listing, merchandise will consist of undergarments, hosiery items, sleepwear, and accessories. Eligible operations can display, demonstrate, and sell directly to the consumer via mail order catalogues and/or arranging parties, generally in private homes to an individual or a small group. Adult toys are not eligible under this class.

Representatives and distributors of Essential Bodywear, Jeunique International Inc., Jockey Person to Person, and Nefful U.S.A. Inc. are eligible operations for this classification.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Leather Goods

We insure individuals who manufacture leather items, including luggage, briefcases, handbags, purses, wallets, belts, cases (for keys, cards, coins, glasses, jewelry and toiletries), and other leather accessories and novelties. Construction may use total or partial-leather content, and may include wood, metal, plastic reinforcements, and hardware. Qualifying business operations may receive fully tanned leathers from tanneries, or may opt to handle the final stages of tanning themselves. Animal/pet accessories are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Men’s & Boys’ Clothing

The businesses we insure under this listing offer merchandise for men and boys that consists of clothing, as well as accessory items such as belts, hats, shoes, etc. Infant and toddler clothing and accessories are not eligible.

Representatives and distributors of Nefful U.S.A. Inc. have been pre-qualified and are eligible operations for this classification.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Monogramming

To qualify for coverage through RLI, business operations under this class will include the marking of merchandise with a design composed of one or more letters (typically the initials of a name), used as an identifying mark. The monogram can be sewn onto fabric by hand or by machine or engraved onto metals. If done in conjunction with other crafts, we require that the insured show this as a secondary business.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Shoe Repair

Tasks completed by shoe repair businesses eligible for coverage through RLI can include the following: traditional repair, shoe dying, sneaker rebuilding, filling orthopedic shoe prescriptions, repair of orthopedic devices, handbag and luggage repair, zipper repair or replacement, and leather coat and jacket alterations and repair.

Materials used in this business include heavy-duty sewing machines, automatic shoe buffers, leathers, threads, plastic and rubber heels and soles, nails and tacks, hammers, knives, shoe polishes, rags, glues, foot measuring equipment, chairs, etc.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Tailoring, Alterations & Seamstresses

We offer insurance options to tailors and seamstresses who make a living by making and/or altering articles of clothing so that they fit a person better. Tasks may include creation, alteration, and repair of clothes. In addition, zippers may be replaced or repaired, and buttons may be attached.

Note: Communicable Disease Exclusion* will be attached in states where approved.