A product claim, damaged stock or broken machine can interrupt more than one order. Compare coverage around what you make or distribute and what it takes to keep operating.
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
Manufacturing risks
Manufacturers
Small manufacturers
Specialty manufacturing
Specialty manufacturing risks
Manufacturing packages
Industrial risks
Manufacturing programs
A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
A product you made or sold causes injury or damage after it leaves your hands.
Fire, theft, or water damages your building, machinery, or finished goods.
A mechanical or electrical failure idles the line.
A covered loss shuts you down and the revenue stops with it.
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
Products and completed operations is the part of general liability that matters most to a manufacturer. It responds when something you made or sold causes injury or property damage after it has left your control, which can be years after the sale. Premises and operations liability at the plant sits on the same policy and is rated separately from the product exposure.
Buildings, production machinery, raw stock, work in process, and finished goods are each insured on their own limit. How those values are reported is what decides the payment after a fire or water loss, and stock that swings seasonally is a common place to be short. Business income belongs on the same policy, so a shutdown does not stop the revenue along with the machines.
A business owners policy packages property and general liability onto one form for smaller operations and normally carries business income without a separate purchase. Eligibility is a carrier by carrier judgment on class, size, and construction, and a good deal of light manufacturing qualifies. Once revenue or the operation outgrows those limits, the same coverage moves onto separate property and liability policies.
Production and warehouse work carries real injury frequency, and comp pays the medical treatment and wage replacement while keeping the claim out of court. Premium runs on payroll by class code, and manufacturers often carry several codes on one policy. Getting that split right when the policy is issued is what keeps the year end audit from becoming an argument.
Some product classes and heavy operations never clear standard underwriting: anything ingested, anything that heats, anything with a recall history behind it. Surplus lines carriers write them and price the individual file rather than a filed rate. We put the submission in front of those markets with the product literature and the controls an underwriter needs to judge it properly.
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Read guideThe right program depends on the operation, but the lines we most often evaluate are General Liability, Commercial Property, Business Owners Policy, Workers' Compensation, and Excess and Surplus Lines. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
Have the products you make or distribute, materials, sales, payroll, building and equipment values, quality controls, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Start your application online, or speak with a licensed broker about your work, property and contracts.
