Manufacturing is a discipline of precision, process, and scale — but also of real and significant risk. Equipment breaks down, products are recalled, employees are injured on production floors, and liability claims can arrive years after the product leaves your facility. A standard commercial policy is not built for manufacturing. Manufacturers insurance combines the specialized coverages that production facilities actually need into a program that protects your operation from floor to finished goods.
What Does Manufacturers Insurance Cover?
- Commercial property for the building, machinery, equipment, raw materials, and finished goods
- Equipment breakdown coverage for the mechanical and electrical failure of production equipment
- Product liability for bodily injury or property damage caused by your manufactured goods
- Product recall coverage for the cost of withdrawing a defective product from the market
- General liability for third-party injuries at your facility
- Business interruption to cover lost income during unplanned production shutdowns
- Workers compensation for production floor injuries and repetitive motion conditions
- Commercial auto for delivery vehicles, forklifts, and yard equipment
A Product Recall Can Cost More Than Your Annual Revenue
Product recalls are not just a problem for large consumer brands. A small manufacturer whose product is found to be defective can face recall costs, regulatory fines, destroyed inventory, legal fees, and damage to customer relationships that collectively exceed annual revenue. Product liability and recall insurance are not optional for any manufacturer whose goods enter commerce.
How Manufacturing Insurance Differs From a Standard BOP
Business Owner’s Policies are designed for low-hazard industries. Manufacturing operations typically do not qualify for BOPs, require higher property limits (for machinery and inventory), need product liability with higher per-occurrence limits, and often require pollution liability coverage for chemical or waste exposure. We work with carriers who specialize in manufacturing risks and can structure a program that accurately covers your specific production process and output.
Get Manufacturers Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Manufacturers Insurance options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.