Manufacturer Insurance

Protection for Manufacturing Businesses

Whatever you manufacture, protect it with coverage that works as hard as you do.

Why manufacturers need specialized insurance

If you design, build, and distribute products, a standard business policy may leave dangerous gaps in your protection. Every step from production to shipping carries unique risks that can threaten your operations, reputation, and bottom line. A manufacturer insurance plan tailored to your industry helps safeguard your business so you can focus on what you do best: creating quality products.

Core coverage every manufacturer should consider

Manufacturing isn’t just about making products—it’s about managing a complex chain of people, processes, and materials. Your policy can be built to protect you from common threats, including:

  • Commercial property insurance for buildings, equipment, and inventory.

  • Business interruption insurance to replace income and cover expenses when production stops.

  • General liability insurance for third-party injury or property damage claims.

  • Workers’ compensation to protect your employees after workplace injuries.

  • Business auto insurance for company-owned vehicles.

  • Motor truck cargo and ocean cargo insurance to protect products in transit.

Maximize protection with the manufacturers’ selling price clause

When disaster strikes and your finished goods are destroyed, some policies only reimburse you for the cost of materials not the value of the sale. A manufacturers’ selling price clause ensures you’re compensated at the full price you would have sold the product for, helping you recover faster.

Guard against costly errors and financial losses

Standard liability covers physical damage caused by your products, but errors and omissions (E&O) liability insurance adds an extra layer. If a defect or error in your product causes a client financial loss even without physical damage — E&O coverage can help protect your business from expensive claims.

Be ready for product recalls

Even the most careful manufacturers face recall risks. Product recall insurance can help cover:

  • The cost of retrieving defective products.

  • Proper disposal of recalled items.

  • Potential legal fees and public relations expenses to protect your brand’s reputation.

Keep your production line moving

From cyber threats that disrupt ordering systems to supply chain breakdowns that stall operations, modern manufacturing faces challenges beyond the factory floor. Your policy can include:

  • Cyber liability insurance for data breaches or system hacks.

  • Supply chain interruption coverage to help when materials can’t reach your facility.

Is your manufacturing business fully protected?

The risks you face are unique and so should be your insurance plan. Let’s design a policy that keeps your production running, your customers satisfied, and your business thriving.

Contact us today to get started.

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