Manufacturing
Product liability, equipment breakdown, supply chain interruption, OSHA compliance, pollution exposure. Coverage engineered around your production floor, not a generic business template.
Coverage types built around the risks your business actually faces.
Commercial Property
Building, machinery, raw materials, work in progress, and finished goods inventory. Includes equipment scheduling for high-value assets and agreed-amount endorsements to eliminate coinsurance.
Manufacturing property is a moving target. Raw materials arrive, become WIP, then finished goods. Blanket coverage needs periodic adjustment or a peak season endorsement to avoid gaps.
General and Products Liability
Premises liability for facility visitors and workers, plus products-completed operations coverage for goods that have left your facility. Includes recall expense coverage and vendor endorsements.
A product recall can cost 10–50x the product's value. Products-completed operations coverage is what responds after your goods are in the customer's hands, and it's where the serious claims live.
Equipment Breakdown
Coverage for production line failures, CNC equipment, boilers, compressors, electrical distribution, and HVAC. Includes expediting expenses and production income loss during repairs.
A transformer failure can shut down a production line for weeks while a custom replacement is fabricated. Equipment breakdown covers the repair, expediting, and lost production income.
Business Interruption and Contingent BI
Lost production income when a covered peril halts operations. Contingent BI covers income loss when a key supplier or customer suffers their own covered loss.
If your sole supplier of a critical component has a fire, your production stops even though your facility is undamaged. Contingent BI is the coverage that responds, and most manufacturers don't carry it.
Inland Marine
Coverage for goods in transit, installation floaters for equipment being delivered and set up at customer sites, and tools and equipment used at off-site locations.
Standard property coverage stops at your loading dock. Inland marine covers your products during shipping, your equipment at trade shows, and your tools at installation sites.
Pollution Liability
First-party cleanup costs and third-party claims from manufacturing emissions, waste handling, chemical storage, and groundwater contamination. Includes EPA defense costs and voluntary cleanup program coverage.
Standard GL policies exclude pollution almost entirely. If your facility handles solvents, metals, petroleum, or generates hazardous waste, a standalone pollution policy is the only coverage that responds to regulatory action.
These aren't hypotheticals. They're the claims scenarios we see. Here's how coverage actually responds.
A batch of electrical components shipped to three OEM customers fails quality testing. The root cause is a contaminated raw material. All units must be recalled, inspected, and replaced.
How coverage responds: Products-completed operations coverage handles third-party claims. Recall expense coverage pays for notification, shipping, inspection, replacement, and disposal. Your vendor endorsement may allow subrogation against the raw material supplier.
An aging boiler fails catastrophically, damaging the production floor and forcing a full shutdown. The replacement unit has a 4-week lead time, plus 2 weeks for installation and testing.
How coverage responds: Equipment Breakdown covers the boiler repair, collateral damage to the production floor, and expediting expenses to accelerate the replacement. Business Interruption covers lost production income for the full 6-week outage.
A storage tank leak goes undetected for months. Routine groundwater testing reveals solvent contamination extending beyond your property line. The state EPA issues a cleanup order.
How coverage responds: Pollution Liability covers first-party cleanup, off-site remediation, regulatory defense, and third-party claims from neighboring properties. The policy responds to both known and unknown pollution conditions, depending on the form.
Your Biggest Risk Probably Isn't on the Production Floor
Your biggest exposure may sit outside your walls: a supplier disruption, a post-shipment recall, or cleanup costs your policy does not fully absorb. We'll compare your real-world exposures against your current limits and identify the gaps before they become expensive surprises.