The study evaluates the simultaneous use of aerogel and phase change material (PCM) on the face cloth of thermal liner in firefighter’s protective garment. Aerogel is commonly used to resist incoming heat flux in the field of high heat protection and to prevent the loss of body heat in the cold environment clothing. In high heat protection clothing, aerogel not only resists the incoming heat fluxes but also blocks the outbound body heat. As a result the wearer suffers from internal increase of body temperature. Previous studies identified the potential use of aerogel in firefighter’s protective clothing. However there was no clear approach to resolve the problem associated with body heat release. Current study focuses on the problem by applying PCM along with aerogel on fabric. The ambient-side of a thermal liner face cloth was coated with silica aerogel particles; meanwhile, the next to skin side was coated with PCM/aerogel composite powder. The new thermal liner revealed superior thermal protection and comfort. It extended the time to reach pain threshold and increased the pain alarm time. The Fourier transform infrared analysis of the aerogel/PCM composite powder showed the presence of PCM in nanoporous aerogel particles while the differential scanning calorimeter quantified the heat absorbing capacity of the new composite powder. Scanning electron microscope, air permeability tester, and jPOR macro of ImageJ software were used for the surface characteristics and porosity analysis of coated liner. The thermal stability of the composite powder was investigated through an infrared thermal camera. No dripping or form deterioration was observed when the composite powder was heated over a temperature three times above the melting temperature of the pure PCM.