You make one call. We make the rest.
Product liability, property, and the machines that make the money. We insure manufacturers against the breakdown, the recall letter, and the lawsuit that follows a product out the door.
Tell us about your business.
What is Manufacturing insurance?
The manufacturer's program: product liability for everything that leaves the dock, property and equipment breakdown for the floor, business income for downtime you did not schedule, and workers' comp for the people running the line. Built around what you make, who you sell it to, and what your vendor agreements demand.
Your product follows you.
A part you shipped three years ago can still generate a claim today, and the policy that answers is the one in force when the claim is made. We structure product liability so a policy change never opens a gap.
Product liability
Claims from products in the field, including defense, wherever in the chain the claim lands.
Property & equipment breakdown
The building, the line, and the machine that cannot be down a week.
Business income
When a covered loss stops production, the revenue continues while you recover.
Workers' comp for the floor
Real manufacturing class codes, priced to your actual operations and safety record.
Who needs Manufacturing insurance?
- Product manufacturers selling wholesale, retail, or direct
- Component and parts makers supplying other manufacturers
- Food and beverage producers with contamination exposure
- Contract manufacturers and job shops running customer specs
One application. Every market. The right program.
We know shop floors.
Processes, materials, and QA matter to carriers, and we present yours properly.
We read your contracts.
Vendor agreements and big-box requirements dictate limits and additional insureds. We paper to them exactly.
Continuity across renewals.
Product claims surface years later. We structure coverage so switching carriers never creates a gap.
The right market for your class.
Food contact, children's products, and components each have carriers that want them. We know which.
Frequently asked questions
What insurance does a manufacturer need?
Product liability, property with equipment breakdown, business income, and workers' comp form the core. Your customer contracts often set the actual limits. Send them over and we will build to them.
A retailer wants to be additional insured with specific limits. Normal?
Completely, and non-negotiable for shelf space. We paper vendor requirements exactly as written, usually same-week.
Am I covered for a product I made under a previous policy?
That depends on how the transition was structured, which is exactly the gap we check for when we take over a manufacturer's program.
What does it cost?
Product type, revenue, and claims history drive it. One application, every market that writes your class, real options back.