General Liability Insurance protects your business from third-party claims such as customer injuries or property damage caused by your manufacturing operations. This coverage is essential for covering the costs of lawsuits, medical expenses, and property repair or replacement, safeguarding your reputation and bottom line.

A Business Owner’s Policy (BOP) is a comprehensive insurance package that typically includes General Liability Insurance, Property Insurance, and can also include Workers' Compensation Insurance. It’s a cost-effective way for apparel and textile manufacturers to get the coverage they need to protect their business and assets.

The cost depends on several factors including:

• Type of business and job risk classification

• Total payroll

• Number of employees

• Claim history

• Safety procedures and training

High-risk industries like construction or manufacturing often pay more, while small office-based businesses typically pay less.

Independent contractors are not required to carry insurance unless the hiring company classifies them as employees under Idaho law. However, contractors who want to protect themselves financially may voluntarily purchase coverage.