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.
Commercial Property & Equipment for Manufacturers
A manufacturing operation is capital-intensive: the building, the production line, CNC and specialized machinery, raw materials, work-in-process, and finished-goods inventory all represent major investment. Commercial property insurance protects these assets against fire, theft, storm, and other covered perils.
What's Covered
- Building: If you own your facility, the structure itself
- Tenant / leasehold improvements: Buildout you funded in a leased plant
- Production machinery & equipment: Your line, CNC, tooling, and specialized gear
- Raw materials & inventory: Stock, work-in-process, and finished goods
- Perils: Fire, smoke, theft, vandalism, water, and storm damage
Equipment Breakdown
A line down is revenue lost. Equipment breakdown coverage adds protection for mechanical and electrical failure of your machinery, motors, controls, and electrical systems — failures a standard property policy excludes — including resulting damage and lost income.
Business Income / Interruption
If a fire or major loss halts production, your expenses continue while revenue stops. Business income coverage replaces lost profit and pays continuing costs — payroll, lease, debt service — while you rebuild and re-tool. For a manufacturer with long equipment lead times, the restoration period matters enormously.
Getting the Values Right
Manufacturers commonly under-insure specialized machinery and finished-goods inventory. We set replacement-cost limits that reflect what it actually costs to replace your line and re-stock — so a major loss doesn't leave a crippling gap.
What's Covered
Frequently Asked Questions
Standard property covers perils like fire and theft; mechanical or electrical breakdown of your machinery requires equipment breakdown coverage, which we add for manufacturers. It also covers resulting damage and lost income from a breakdown.
If a fire or major loss halts production, revenue stops but payroll, lease, and debt service don't. Business income replaces lost profit and continuing expenses while you rebuild — critical when re-tooling and equipment lead times can be long.