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Tailors alter and repair clothing that has been manufactured and purchased elsewhere for their customers. They may also offer dressmaking services, which entail creating custom-fit garments for customers. The dressmaking process involves showing sketches and fabrics to customers, taking measurements, and sewing garments by hand and machine and fitting clothing on customers.

General Liability Insurance for Tailors – Customers could be injured if tailor shops are not clean and clutter free. Tailors should be careful to not injure their customers when using stickpins. Tailors should also be careful not to damage or ruin their customers’ clothing when alterations are being made. Dressing rooms should be well maintained and all furniture and countertops should be sturdy and safe. Work areas should be marked “employees only”. Door thresholds should provide a smooth transition for customers entering and exiting the shop.

Workers’ Compensation Insurance for Tailors – Employees of tailor shops may be injured when using sewing machines, scissors, knives, or stickpins. The use of irons could result in burn related injuries to employees. First aid equipment should be available and easily accessible to all employees.

Business Auto Insurance for Tailors – Clients will typically come to the tailor shop for their services. As a result, business auto risks are usually low. Tailors should go to the bank everyday for deposits and may occasionally have to run other errands. If employees are responsible for driving to run these errands, they should have acceptable driving records and sufficient Personal Auto Liability coverage in place.

Property Insurance for Tailors – Inland Marine coverage will be necessary for tailors to insure the personal property of others. Sewing machines, irons, and other electrical equipment should all be inspected weekly for frayed or worn out wiring. Repairs should be made immediately when necessary. The fire load will consist of fabric and clothing materials, sewing machines, and furniture. Adequate fire extinguishers should be installed and maintained. Firewalls should be in place for businesses that are attached to other buildings like in a shopping center.

Crime Insurance for Tailors – Dishonest employees may steal money or clothing from tailors. Limiting the amount of cash on hand and making daily bank deposits may reduce employee theft of money from the cash registers. Internal financial and inventory audits should also help prevent employee theft. The business should be secured with double cylinder deadbolt locks, burglar alarms, and adequate outside lighting.