Manufacturers Insurance
Manufacturers Need Specialized Insurance
Insurance is important for all businesses, but it’s especially important for manufacturers. When you manufacture something and distribute it to the public, there’s always the possibility that someone could get injured by your product. The type of insurance needed for a manufacturer is different than for most other companies because manufacturers have exposures on-site and – potentially – anywhere in the world, depending on product distribution.
Manufacturers may also have unique property exposures due to specialized equipment, inventory and supply chain considerations.
Manufacturers need to purchase an insurance policy that is specialized to their needs. Talk to us today about getting the insurance you need to protect your manufacturing business.

Specialized Business Insurance for Manufacturers
- General Liability
- Products Liability
- Discontinued Products Liability
- International coverage
- Product Recall
- Buildings
- Machinery
- Stock and inventory
- Raw materials
- Business Income
- Equipment Breakdown
- Fleet auto
- Umbrella Liability
- Workers’ Compensation
More Coverage Considerations for Manufacturers

Workers' Compensation
Factory work is not a job for the faint of heart. It is tough, labor intensive and often dangerous. Assembly line workers face constant risk of injury from repetitive motion strain, accidental contact with machinery or equipment, falls and other hazards. Some manufacturing environments are also loud and fast-paced; workers are constantly on their feet and often standing up for hours at a time.
A good workers’ compensation provider will understand your needs, offer you peace of mind, keep your costs reasonable, and be there when you need them.
Talk to us today about the various programs we have for manufacturers, including loss-sensitive plans and self-insured programs.

Employment Practices Liability Insurance
Employment practices liability insurance, or EPLI, can be important for employers to purchase. This type of insurance covers employers against claims made by current and former employees.
The insurance helps protect businesses from getting sued for allegations such as wrongful termination, sexual harassment, discrimination, violation of privacy rights, and violations of wage and hour laws.
Coverage is also available for immigration-related offenses.
Call us today to see how we can protect your business from employment practices exposures.

Life Insurance for Manufacturers
Sometimes referred to as Key Man life insurance, Key Person life insurance is a type of life insurance that manufacturers often purchase for their leaders and important employees. These policies provide coverage to ensure that if the company loses a key member, the business will still be able to operate. With proceeds from a key person life insurance, the business will have the cash to continue operations after the death of the key employee until they find a replacement or sell off his or her shares.
Manufacturers often purchase life insurance policies to fund buy-sell agreements, where they can provide a lump-sum payment to the surviving spouse and children to facilitate buying out a partner.
Manufacturers may even use life insurance to pay off outstanding debts or loan amounts. Life insurance is becoming a requirement for many SBA loans and other debt instruments.
Call us today to learn more about how life insurance can provide peace of mind and also add value to your manufacturing business.