Coverage Options
Manufacturers Insurance
Every policy an American manufacturer needs — in one place, from specialists who understand product, property, and people risk.
Product Liability Insurance
Product liability is the single most important policy a manufacturer carries. It responds when a finished product you designed, built, or sold is alleged to have injured someone or damaged property — covering legal defense, settlements, and judgments.
- Manufacturing & design defect claims
- Failure to warn / labeling claims
- Legal defense costs
- Settlements & judgments
General Liability Insurance
General liability covers third-party injury and property damage tied to your premises and operations — a visitor hurt at your facility, damage you cause at a client site, or advertising injury. It's the baseline policy almost every contract requires.
- Premises bodily injury (slip & fall)
- Third-party property damage
- Products-completed operations base
- Personal & advertising injury
Commercial Property Insurance
Commercial property covers the physical assets that run your operation — the building, production machinery, raw materials, work-in-process, finished goods, and tools — against fire, water damage, theft, vandalism, and other covered perils.
- Building & tenant improvements
- Production machinery & equipment
- Raw materials & finished inventory
- Tools, dies, molds & patterns
Equipment Breakdown Insurance
Equipment breakdown (boiler & machinery) covers the sudden, accidental failure of the production equipment, electrical systems, and motors your business runs on — repair or replacement plus the income lost while the line is down.
- Mechanical breakdown of machinery
- Electrical & power-surge damage
- Boiler & pressure-vessel failure
- PLC & control-system failure
Product Recall Insurance
Product recall insurance covers the substantial first-party costs of removing a dangerous or defective product from the market: customer notification, shipping and retrieval, disposal, and the income lost during the recall.
- Customer & regulatory notification
- Product retrieval & shipping
- Disposal & destruction costs
- Replacement & rework expense
Workers Compensation Insurance
Workers comp is mandatory in nearly every state from your first employee. On a production floor it's essential coverage — it pays medical costs and lost wages when a worker is injured by machinery, lifting, or repetitive strain, and shields you from employee injury suits.
- Medical expense coverage
- Lost wage replacement
- Machine & material-handling injuries
- Repetitive-strain claims
Commercial Auto Insurance
Commercial auto covers the vehicles your manufacturing business owns, leases, or uses — delivery trucks, box vans, and company vehicles — for liability, physical damage, and the cargo and people they carry on the road.
- Auto liability (bodily injury & property)
- Collision & comprehensive
- Hired & non-owned auto
- Medical payments / PIP
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits beyond what your underlying general liability, commercial auto, and employer's liability provide — essential for manufacturers facing large product, premises, or auto claims.
- Excess general liability limits
- Excess commercial auto limits
- Excess employer's liability
- $1M–$10M additional protection
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