Tailoring or Dressmaking Establishments--Custom

What Does GL Code 18507 Cover?

ISO GL class code 18507 covers custom tailoring and dressmaking establishments, classifying operations involved in creating, altering, or repairing garments for individual clients. This code specifically applies to businesses that provide personalized services, distinguishing them from mass production or retail clothing sales. It encompasses the general liability exposures associated with customer interactions, premises, and the custom work performed.

Who Uses This Class Code?

This code is primarily used by custom tailors, bespoke suit makers, independent dressmakers, alteration shops, and bridal gown specialists. Businesses focusing on personalized garment creation, fitting, and repair for individual customers fall under this classification. It also includes small studios or home-based businesses offering custom apparel services.

Common GL Claims for This Class

Common claims for tailoring and dressmaking establishments include property damage to client garments while in the business's possession (e.g., cutting errors, stains), and bodily injury claims from customers tripping on loose fabric or equipment within the premises.

Coverage Tips for Code 18507

• Ensure your General Liability policy includes coverage for "Damage to Property of Others in Your Care, Custody, or Control" as you handle valuable client garments.
• Maintain meticulous records of client measurements, fabric choices, and design specifications to mitigate potential "errors and omissions" claims related to custom work.
• Verify any local or state licensing requirements for operating a tailoring or dressmaking business in Florida, as non-compliance can impact coverage.
• Understand that this code typically excludes professional liability for design advice; consider a separate Professional Liability policy if offering extensive design consultation.