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Recommended insurance policies for manufacturing businesses
Business insurance helps your company keep producing despite a lawsuit or other interruption. Gain financial protection against lawsuits, injuries, and property damage with policies designed for manufacturers.
General liability insurance
This policy covers third-party manufacturing risks, such as customer injuries. Bundle it with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner’s policy
This policy bundles commercial property and general liability coverage in one plan. A BOP is often the most cost-effective type of business insurance for a manufacturer.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for manufacturing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from workplace injuries
Cyber insurance
Cyber insurance, also called cyber liability, helps manufacturers recover financially after a data breach or cyberattack. It's strongly recommended for any business that stores credit card numbers or other personal information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy covers the cost of an accident involving a vehicle owned by your manufacturing business. Almost every state requires this coverage for vehicles owned by a business.
BEST FOR
- Medical bills from an accident
- Property damage caused by your vehicle
- Auto accident lawsuits
Commercial umbrella insurance
Similar to excess liability insurance, umbrella insurance boosts coverage on general liability insurance, employer’s liability insurance, and commercial auto insurance policies.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
How much does manufacturers insurance cost?
Several factors will have an impact on insurance costs, including:
- The type of products that are manufactured
- Manufacturing operations
- Business equipment and property
- Annual business revenue
- Where your business is located
- Risk control measures in place
- Number of employees
How do I get manufacturing insurance coverage?
It’s easy to find insurance for manufacturing businesses with Insureon. Whether your focus is clothing, food, or wood products, you’ll need to have some basic information about your business available.
Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance in three easy steps:
- Complete a free online application.
- Compare quotes from top insurance companies and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance solutions for your unique risk management plan, whether you’re a small-scale cannabis manufacturer or a multi-plant metal manufacturer.
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Common questions about manufacturing insurance policies
Why is product liability insurance important for manufacturers?
There are three types of product defects manufacturers should be prepared to defend against:
- Design defects
- Manufacturing defects
- Warning and instructions defects
This is where product liability insurance and product recall coverage can protect your business from financially devastating lawsuits – and give you peace of mind.
Product liability insurance, sometimes referred to as products-completed operations coverage helps safeguard your business from claims a product you made caused a bodily injury or damaged a customer's belongings. Product liability will help pay your legal fees, judgement, or settlement.
Additionally, product recall insurance can provide financial protection should your business have to carry out a product recall. While this specific coverage isn't included with general liability insurance, it can be added as a rider. This coverage will cover the cost of collecting recalled products, disposing of unsafe products, and crisis and public relations management.
What other types of insurance does a manufacturing company need?
Businesses in the manufacturing industry should consider carrying the following insurance products to safeguard their facility from common risks and exposures, as well as the resulting financial losses.
- Business income insurance, sometimes called business interruption insurance, covers financial losses if your business is forced to close temporarily due to a fire or extreme weather. It can often be added to a business owner's policy.
- Equipment breakdown coverage, also called mechanical breakdown insurance, is an endorsement to your commercial property insurance or BOP. This type of insurance covers expenses when your facility's equipment or machinery suffers a mechanical failure. One policy exclusion is standard equipment wear and tear.
- Boiler and machinery insurance covers a company’s machinery or equipment. It helps pay for repairs or replacement of damaged equipment in the event of a sudden failure, as well as financial losses to the business.
- Inland marine insurance is a "floater" policy, which means the coverage goes where the insured property goes. It can protect manufacturing tools and equipment that are in transit or stored off-site.
- Environmental liability insurance, also called pollution insurance, provides financial protection from environmental risks faced by your manufacturing company. It helps cover pollution legal liability and cleanup costs.
- A commercial package policy (CPP) combines general liability and commercial property coverage into one policy with more flexible protection. It allows for more coverage options and higher policy limits. This is a good choice for businesses in higher risk industries that might not be eligible for a BOP.
Read our blog posts
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Product liability insurance
Find out how your business could be the target of a product liability case, take a look at actual examples of product liability lawsuits, and learn how you can protect yourself from this type of...
Workers' compensation insurance
The cost of your business's workers' compensation insurance varies state by state.
General liability insurance
Just like going to the doctor for a checkup every year, it's critical to do the same for your business. One way to keep your company healthy is to assess your insurance coverage and current policies...