image2

Clothing & Apparel - insurance programs that fit.

Your insurance agent relationship - a cornerstone in a solid financial plan

 Kulchin-Ross is an insurance brokerage that understands the coverage needs of apparel companies.  Today, fewer insurance carriers, and fewer insurance brokers are effective serving the garment industry.   The demands of international trade, and (for most) foreign source production create a need for highly specialized coverage plans, and agents with the premium volume / ability to handle the larger apparel risk.  Domestic manufacturers and distributors also benefit by our broad, any location, insurance benefits.

IT'S A MINEFIELD OUT THERE. BUT YOU CAN STAY PROTECTED AT SURPRISINGLY LOW COST

Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.    You've invested time, money and energy your apparel company.   Your product may be your life's work.   Protecting that investment with the best insurance only makes sense.    Your assets, your employees and your financial future could be at risk without the correct types of coverage and benefits.    We partner with the top insurance carriers in the world and provide a solid array of protection at affordable rates.

PROTECTING YOUR ASSETS - HOLDING THE BOTTOM LINE

 Industry veterans and new ventures alike will appreciate our attentive service and competitive rates.  We relentlessly pursue the insurance programs, and carriers that offer coverage plans that benefit your enterprise.  Founded on the premise that our customers' needs come before all else, Kulchin Ross Insurance Services is committed to your satisfaction.  We are a based in Tarzana, CA.   Our founder Bill Kulchin has been serving business and industry since 1985.     

Key insurance areas to review

 

STOCK THROUGH PUT 

This is an all inclusive program that can be written to automatically insure your Inventory through the entire manufacturing process.   From raw material...through production...in transit, on to your buyers, and everywhere in between.   Coverage is normally "special form",  and valued at your "selling price" where goods are pre-sold under contract.   Your goods can be covered in most all countries, subject to certain exceptions. Key coverage features are "All Risk" which may be written to include Earthquake, Pairs & Sets,  Selling Price valuation, Unnamed Locations,  Economic Interest, Trade shows and Exhibitions, Salespersons Samples, and much more. 

ApparelInsurance.com directly represents several top domestic, and UK based insurers to provide this crucial coverage for apparel businesses.

COMMERCIAL GENERAL LIABILITY  

We offer a program to suit your specialty.  Apparel Manufacturers,  Wholesalers, Retailers,  Garment Contractors are all welcome.   New ventures are OK, we consider your business experience.    We insure all types of garment products,  including harder to insure products such as Infant wear,  Sleepwear, and specialized Protective wear for Industry.  Slip & Fall, Personal Injury/Advertising Injury, Fire Legal Liability, Products Liability, Medical Payments, Employee Benefits Liability, and much more are included.

WORKERS' COMPENSATION

Apparelinsurance.com assists you with coverage in all 50 states, plus foreign voluntary coverage where needed.  We include complete Loss Control and Risk Engineering services, and we can also help you design and implement an Employee Handbook.

 

GROUP MEDICAL, DENTAL, & LIFE BENEFITS 

Our benefits specialists will custom design, and communicate an employee benefits package that meets your goals.  We directly represent the major carriers, including Anthem, Blue Shield, Health Net, United Health Care,  Kaiser, Delta, and many others.

 

EMPLOYMENT PRACTICES LIABILITY

Lawsuits for wrongful termination, employment discrimination, and sexual harassment are becoming an everyday occurrence.  Protect your business with an EPLI policy, which provides defense and judgment costs.  A toll free hot-line for employment guidance and advice is included with most policies. 

Also Frequently recommended

Automobiles and/or Trucks insurance

Business Interruption

Earthquake

Receivables Insurance

Foreign Liability

Foreign locations property

Kidnap & Ransom

Foreign Voluntary Workers' Compensation

Additional Insureds (Vendors, Trade Shows, etc.)


image3

Claim exposures and areas of concern.

$404,000. WATER DAMAGED inventory and equipment of a clothing importer due to a broken sewer pipe.


$233,000. WORKERS COMPENSATION claim when a sales rep was injured in an automobile collision.


$77,000. AIRLINE CONTAINER left overnight in pouring rain,  bankrupt airline refused to pay for damage.


$3,800,000 FIRE DAMAGE to a textiles warehouse


$256,000. DISCRIMINATION AND SEXUAL HARASSMENT case against a retail Clothing Store


$1,100,000 FIRE DAMAGE when a homeless person's campfire in a trash can nearly destroyed a Landmark building in downtown Los Angeles


$3,000,000. INFRINGEMENT LAWSUIT when a celebrity's photograph is used without authorization.


$12,000. Fabric dye on jeans causes products liability problem for sportswear maker.


$750,000. Routine $5,000 automobile "fender bender" balloons into $1,000,000 demand.


A few top rated insurance carriers we represent.

Free quote indications - Get started today!

Below are two frequently requested rate quote forms,      Business Package Insurance,  and Workers' Compensation.    Please fill out your Quote Request forms below,   and please E-Mail your completed Form to Bill@apparelinsurance.com.    We'll get started on your new insurance quotes  within 24 hours.    

Feel free to call us with any questions, at 818-996-0900, ext. 1001.

BUSINESS INSURANCE QUOTE (pdf)

Download

WORKERS COMPENSATION QUOTE (pdf)

Download

Apparel insurance - a closer look.

Contact us

Questions? Send us a request here.

Kulchin Ross Insurance Services, LLC

18757 Burbank Blvd., Suite 320, Tarzana, CA 91356

Office:   818-996-0900, ext. 1001

Fax:  818-479-9779

Bill@apparelinsurance.com

Bill Kulchin, CPCU, ARM