Manufacturer Insurance

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Manufacturer insurance provided by Insurance Incorporated.

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Protect Your Manufacturing Business with Comprehensive Insurance Coverage

As a manufacturer, you understand the unique risks and challenges associated with your industry. It’s essential to have robust insurance coverage that addresses your specific needs and safeguards your business against unforeseen events. At Insurance Incorporated, we specialize in providing comprehensive insurance solutions tailored to the manufacturing sector. Whether you’re a small-scale operation or a large manufacturing facility, we have you covered.

Why Choose Insurance Incorproated for Your Manufacturing Insurance Needs?
  1. Expertise in Manufacturing Insurance: We have extensive knowledge and experience in the manufacturing industry, allowing us to understand the intricacies and risks associated with your business. Our team of insurance professionals is dedicated to providing you with tailored coverage options that address your unique needs.
  2. Comprehensive Coverage Solutions: We offer a wide range of insurance options to protect your manufacturing business from various risks, including property damage, equipment breakdown, product liability, business interruption, and more. Our goal is to provide you with a comprehensive insurance program that safeguards your assets, operations, and reputation.
  3. Customized Insurance Packages: We recognize that every manufacturing business is unique. That’s why we take the time to assess your specific requirements and create customized insurance packages that address your risks adequately. We ensure that you have the right coverage in place, eliminating any potential gaps that could leave you vulnerable.
  4. Competitive Quotes: We understand the importance of budget-conscious decision-making for manufacturers. That’s why we offer free quotes on all of your insurance needs. By contacting our office, you can take advantage of our expertise and receive competitive quotes from multiple insurance carriers. This allows you to make informed decisions based on coverage options and pricing.
  5. Dedicated Customer Support: Our commitment to exceptional customer service sets us apart. Our team is here to assist you at every step, from understanding your insurance needs to claims assistance. We provide ongoing support, answering your questions, and addressing any concerns you may have to ensure your peace of mind.

Take the First Step Towards Protecting Your Manufacturing Business

Don’t leave your manufacturing business exposed to risks that could jeopardize your operations and bottom line. Take the first step towards comprehensive insurance coverage by calling our office today. Our experienced team is ready to provide you with free quotes on all of your manufacturing insurance needs. Let us help you secure the protection your business deserves.

Call 877-428-8778 for Free Quotes!

  • Product Recall
  • Business Auto
  • Workers’ Compensation
  • Errors and Omissions
  • Commercial Property
  • Motor Truck Cargo
  • Ocean Cargo
  • Manufacturers’ Selling Price
  • Business Interruption
  • Employers Liability
  • General Liability
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Manufacturer
Commercial General Liability Insurance
Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?

Solution

Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.

Commercial Property Insurance
Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Interruption Insurance
Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance
Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.

Solution

Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Liability
Risk Factor

Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Motor Truck and Ocean Cargo Insurance
Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.

Solution

You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.

What is manufacturers’ selling price?

A key policy point to look for is a manufacturer’s selling price clause. This means that if your stock is damaged or destroyed by a covered event, you get a payout reflecting the price you would have sold the items for—not the price you paid for the raw materials.

The benefits of errors and omissions coverage.

You should also look for errors and omissions coverage. This goes beyond the usual business insurance that protects you against claims of property damage and injury caused by your products. It adds coverage for claims of financial losses. For example, if your customers say their business was hurt by a fault in your product.

Be prepared for potential product recalls.

Also consider product recall insurance, which kicks in if you’re forced to recall a product because it might cause harm. This insurance covers not only the costs of getting the product back to you but also safely disposing of the stock. Some policies even cover legal costs or public relations expenses.

Make sure your business is fully covered with manufacturer insurance by contacting us today.

Manufacturer Insurance - Machinery Welding Auto Parts

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