Manufacturing Insurance

Manufacturers face some of the most complex insurance needs of any industry. Between product liability exposure, expensive equipment, employee safety, and supply chain risks, the right program is critical for protecting your operations.

Essential Manufacturing Coverages

Product Liability

Covers claims that products you manufactured caused bodily injury or property damage. This is your highest-exposure coverage — a single product defect can trigger hundreds of claims.

Commercial Property

Covers your facility, machinery, raw materials, work-in-progress inventory, and finished goods against fire, equipment breakdown, theft, and natural disasters.

Workers' Compensation

Manufacturing has some of the highest workplace injury rates. Covers employee injuries from machinery, chemical exposure, repetitive motion, and material handling.

Business Income / Interruption

Replaces lost revenue and covers ongoing expenses when a covered event shuts down your production line.

Equipment Breakdown

Covers the cost to repair or replace production machinery that fails due to mechanical, electrical, or pressure-related breakdown.

Manufacturing Insurance Costs

Coverage	Typical Annual Cost
Product Liability	$2,000–$15,000+
Commercial Property	$3,000–$20,000+
Workers Comp	$5–$15 per $100 payroll
Business Income	Included in BOP or property
Equipment Breakdown	$500–$3,000
Umbrella ($1M)	$1,500–$5,000