Manufacturing Business Insurance

Manufacturing Business Insurance

Protecting production, equipment, and product liability exposure

Manufacturing operations face complex risks involving machinery, employees, supply chains, and finished products. From equipment breakdown and workplace injuries to product liability and property damage, manufacturers are exposed to losses that can interrupt production and impact revenue. Even a small disruption in operations can lead to missed deadlines, contract disputes, or costly claims.

Properly structured insurance is essential to protect facilities, employees, inventory, and long-term business continuity.

Key Risks in Manufacturing Operations

Manufacturers face exposure related to:

• Equipment breakdown and mechanical failure

• Workplace injuries and employee claims

• Product defects or product liability lawsuits

• Fire, explosion, or property damage

• Supply chain interruption

• Vendor and contractor activity

• Business interruption due to covered loss

Losses can occur even in well-controlled production environments.

Core Coverages for Manufacturing Businesses

Manufacturing insurance programs typically include:

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

Commercial Property
Covers buildings, machinery, tools, and inventory against covered physical loss.

Product Liability
Protects against claims alleging injury or damage caused by manufactured products.

Workers Compensation
Provides coverage for employee injuries and occupational illness as required by law.

Equipment Breakdown
Covers loss caused by mechanical or electrical failure of machinery.

Business Income / Business Interruption
Protects lost income when operations are shut down due to a covered loss.

Umbrella / Excess Liability
Provides additional limits for severe or multi-claim scenarios.

What’s Commonly Overlooked

Manufacturing insurance programs are often weakened by:

• Undervalued equipment or buildings

• Missing product recall coverage

• Inadequate liability limits

• No equipment breakdown coverage

• Gaps between property and business income

• Failure to update coverage as production grows

These issues are often discovered only after a major loss.

Real-World Claim Examples

• A machine malfunction causes major damage

• A fire shuts down production for weeks

• A product defect leads to injury claims

• An employee is injured on the production floor

• A supplier delay causes business interruption

Even one event can disrupt the entire operation.

Why Proper Placement Matters

Manufacturing coverage varies significantly based on:

• Type of products made

• Machinery and equipment used

• Number of employees

• Contract and vendor requirements

• Fire protection and safety controls

• Supply chain exposure

Improper placement can lead to uncovered losses or insufficient limits.

Our Approach

At Cory Washington & Co., we build manufacturing insurance programs around your actual production process, equipment values, and contractual obligations. We coordinate property, liability, equipment, and income protection to ensure your business can continue operating after a loss.

Strong production requires strong protection.