MANUFACTURING

Manufacturing Insurance

Protecting operations, products, and workforce safety

Manufacturing businesses face complex risks tied to production processes, equipment, employees, and the products they deliver to market. From workplace injuries and property damage to product liability and supply chain disruptions, manufacturing risk extends across every stage of operations.

A well-structured insurance program is critical to protecting continuity and long-term growth.

Key Risks in Manufacturing Operations

Manufacturing companies face exposure related to:

• Workplace injuries and employee safety

• Equipment breakdown and property damage

• Product defects or failure claims

• Supply chain disruptions and business interruption

• Environmental or regulatory compliance issues

• Third-party injuries at manufacturing facilities

Even a single incident can halt production and impact revenue.

Core Coverages for Manufacturing Businesses

Manufacturing insurance programs typically include:

General Liability & Product Liability
Protects against bodily injury or property damage claims arising from products or operations.

Commercial Property
Covers buildings, machinery, equipment, and inventory against covered losses.

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

Umbrella / Excess Liability
Provides additional limits for high-severity claims, including product-related losses.

Equipment Breakdown (when endorsed)
Covers sudden mechanical or electrical failure of critical equipment.

What’s Commonly Overlooked

Manufacturing insurance programs are often weakened by:

• Underinsured equipment values

• Gaps between product liability and professional liability

• Inadequate business income coverage

• Failure to account for supply chain dependency

• Missing pollution or environmental coverage

These gaps often appear after production is already disrupted.

Real-World Claim Examples

• An employee is injured by manufacturing equipment

• A fire damages production machinery

• A defective product causes customer injury or property damage

• Equipment failure halts operations for weeks

Manufacturing losses can escalate quickly without proper protection.

Why Proper Placement Matters

Manufacturing coverage varies significantly based on:

• Type of products manufactured

• Production processes and automation levels

• Regulatory environment

• Geographic and supply chain exposure

Improper placement can lead to costly coverage disputes or uninsured losses.

Our Approach

At Cory Washington & Co., we approach manufacturing insurance as an operational resilience strategy. We work to align coverage with production processes, safety programs, and supply chain realities — helping protect both output and reputation.

Strong manufacturing depends on strong risk management.