Fabric Store Insurance Coverage Checklist
The coverages a fabric store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for fabric, quilting, and sewing stores. Priorities reflect typical exposure for this class; confirm against the store's actual services and classes.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Business Personal Property (Stock) | Covers bolts, notions, and fixtures. Fabric inventory is highly combustible and easily ruined by smoke or water. | Core | |
| Commercial General Liability (incl. Products) | Covers customer injuries (falling bolts, ladders, pins) and fabric or products sold. | Core | |
| Bailee's Customer Coverage | Covers customers' quilts, projects, and machines held for finishing, long-arm quilting, or repair. | Situational | |
| Class / Instructional Activities | Confirms GL covers students using machines, irons, and cutters during classes. | Prevalent | |
| Abuse & Molestation | Relevant for children's sewing classes and camps. | Situational | |
| Business Income | Replaces income after a covered closure. | Prevalent | |
| Workers' Compensation | Required in most states with employees; lifting and cutting injuries are common. | Situational | |
| Commercial Auto / Hired & Non-Owned | Covers drapery or upholstery installs and deliveries. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is customers' property in the store's care. Long-arm quilting, finishing, and machine repair put quilts and projects — often irreplaceable heirlooms — in the store's custody, and standard property and GL policies generally exclude property of others in your care. On the product side, federal flammability rules apply to fabric sold for clothing, and a store's best defense is a signed supplier guaranty and not promoting unapproved fabric for children's sleepwear.
Send us the checklist and we'll review your fabric store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Fabric Store Insurance · Fabric Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a fabric store business need?
The core coverages for a fabric store business are Business Personal Property (Stock), Commercial General Liability (incl. Products). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my fabric store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.