NAICS UNIVERSITY · Free research for insurance agents
Cut and Sew Apparel Contractors
NAICS 315210 · United States · 2022 edition
This industry comprises establishments commonly referred to as contractors primarily engaged in (1) cutting materials owned by others for apparel and accessories and/or (2) sewing materials owned by others for apparel and accessories.
Start the review with bailee liability.
For Cut and Sew Apparel Contractors, the saved research highlights bailee liability, employee injuries, premises liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What is the peak value of client-owned materials and work-in-process on premises at any one time?
- What types of materials and finished goods are handled — standard fabrics, luxury textiles, or specialty materials?
- Does the contractor ever transport client goods, and if so, in what quantities and by what method?
- Are there written client contracts that specify liability for lost or damaged goods?
- What fire suppression systems are in place in the production and storage areas?
- For Cut and Sew Apparel Contractors, what should the underwriter know about very high peak values of client-owned luxury, designer, or specialty textile materials that may exceed standard program capacity?
- For Cut and Sew Apparel Contractors, what should the underwriter know about prior losses involving client-owned goods?
- For Cut and Sew Apparel Contractors, what should the underwriter know about operations with significant flammable textile inventory accumulated in production areas with limited sprinkler protection?
Activities described by this code
Other activities to examine
- Manufacturing cut and sew apparel from purchased fabric: 315250 — Cut and Sew Apparel Manufacturing (except Contractors)
- Manufacturing apparel accessories from purchased fabric: 315990 — Apparel Accessories and Other Apparel Manufacturing;
- Embroidering apparel on a contract or fee basis for the trade: 314999 — All Other Miscellaneous Textile Product Mills
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Cut and sew apparel contractors receive fabric or pre-cut materials owned by a client brand or manufacturer, perform cutting, sewing, assembly, or finishing operations, then return the finished or semi-finished goods to the client. The contractor typically does not own the materials being worked on and earns a fee for labor and production services.
Questions to investigate
- What is the peak value of client-owned materials and work-in-process on premises at any one time?
- What types of materials and finished goods are handled — standard fabrics, luxury textiles, or specialty materials?
- Does the contractor ever transport client goods, and if so, in what quantities and by what method?
- Are there written client contracts that specify liability for lost or damaged goods?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.