Coverage Options

Product Manufacturers Insurance

Every policy a product manufacturer needs — in one place, from specialists who know manufacturing risk.

Product Liability Insurance

Product liability is the core coverage for any manufacturer. It protects against claims that a product you designed, made, or sold caused bodily injury or property damage — an exposure that follows your product everywhere it goes.

  • Manufacturing-defect claims
  • Design-defect claims
  • Failure-to-warn claims
  • Bodily injury & property damage
Full coverage details

General Liability Insurance

General liability protects your business against third-party claims of bodily injury and property damage that aren't tied to the product itself — a visitor injured at your plant, damage to a vendor's property, premises slip-and-falls.

  • Third-party bodily injury
  • Property damage liability
  • Premises slip-and-fall
  • Personal & advertising injury
Full coverage details

Product Recall Insurance

Product recall insurance covers the substantial first-party costs of recalling a product — customer notification, retrieval, shipping, disposal, replacement, and lost gross profit — costs that product and general liability specifically exclude.

  • Customer & regulator notification
  • Product retrieval & shipping
  • Disposal / destruction
  • Replacement & rework
Full coverage details

Completed Operations Insurance

Completed operations (products-completed operations) covers claims arising after your product is finished and out in the field — the long-tail exposure that can surface months or years after a product leaves your plant.

  • Post-sale product claims
  • Long-tail / delayed claims
  • Field-failure liability
  • Dedicated aggregate limit
Full coverage details

Commercial Property & Equipment Insurance

Commercial property insurance covers the physical assets of your manufacturing operation — the building, production machinery, raw materials, and finished-goods inventory — against fire, theft, storm, and equipment breakdown.

  • Building & leasehold improvements
  • Production machinery & equipment
  • Raw materials & finished-goods inventory
  • Equipment breakdown
Full coverage details

Commercial Auto Insurance

Commercial auto covers the vehicles your manufacturing business owns and operates — delivery trucks, vans, and trailers used to receive raw materials and ship finished products. Personal auto excludes this business use.

  • Liability coverage
  • Collision & comprehensive
  • Hired & non-owned auto (HNOA)
  • Trailers
Full coverage details

Workers Compensation Insurance

Workers compensation is required in nearly every state once you have employees. It pays medical expenses and lost wages when a production worker, machine operator, or staff member is injured on the job.

  • Medical expense coverage
  • Lost wage replacement
  • Disability benefits
  • Employer liability
Full coverage details

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