Built Tough. Protected Tougher.
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.
Coverage by Manufacturing Type
Each kind of manufacturer carries its own signature exposure, and we insure each one around it. Find yours:
- Food & Beverage Manufacturing Insurance — contamination, recall, and spoilage
- Metal Fabrication Insurance — hot-work fire and completed-operations on fabricated parts
- Plastics Manufacturing Insurance — resin fire, tooling, and product liability
- Apparel & Textile Manufacturing Insurance — flammability, IP, and supply chain
- Furniture Manufacturing Insurance — wood-dust fire and tip-over product liability
- Chemical Manufacturing Insurance — pollution, explosion, and process safety
- Wholesale & Distribution Insurance — inventory, transit, and product exposure
- Life Sciences Insurance — biotech, medical-device, and pharma risk
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.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a manufacturing business business may carry — core, prevalent, and situational — plus the gap most often missed, in the Manufacturing Business Coverage Checklist.
Complete the Manufacturing Business Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get manufacturing business insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate manufacturing business insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are manufacturing business insurance premiums priced?
It depends on your exposure. Manufacturing business insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Is manufacturing business insurance mandatory?
It depends on your situation. Some coverage is required by law; more often, manufacturing business insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.