Product manufacturing insurance that follows your goods into the field
Mechanical breakdown, supplier disruption and product-liability claims are the risks basic programs handle poorly. We build programs for fabricators, processors and assemblers with the right limits and forms.
Same-day certificates · Experience-mod and loss-control support
The claims basic policies handle poorly
Illustrative examples of how a single manufacturing exposure escalates, and the coverage that responds.
A weld defect injures workers downstream
A metal shop supplied parts to an equipment maker. A weld defect caused the equipment to fail and injure three workers at the end user's site, and the workers sued everyone in the supply chain. The shop's $1M product-liability limit ran out in year one, leaving about $3.2M to pay out of pocket.
- Defense over three years$850,000
- Settlement$2,900,000
- Equipment maker's defense and recall costs$450,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your operation
Every manufacturer starts with product liability, general liability, property, business income, recall and umbrella. Tell us how you run and we'll add what typically applies. A starting point for discussion, not a quote.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Product LiabilityInjury and damage claims from products you make.
- General LiabilityPremises and operations third-party claims.
- Commercial PropertyBuildings, machinery, materials and finished goods.
- Business InterruptionLost income during a covered shutdown.
- Product RecallNotice, shipping, disposal and recall costs.
- Commercial UmbrellaExtra limits for catastrophic product claims.
- Workers' CompensationRequired for production employees.
- Equipment BreakdownMechanical and electrical breakdown of equipment.
From first call to certificate
Understand your operation
What you make and how: products and materials, production process, quality systems, key equipment and supply chain. We review equipment and line valuations, single-source suppliers and Washington L&I class codes.
Market to specialists
We compare admitted markets and specialty carriers for aerospace, medical-device and challenging loss histories, and present your risk properly so underwriters price it on its merits.
Build the program
Product and general liability, property, equipment breakdown, business income, contingent BI, recall and umbrella, at limits and values that avoid coinsurance penalties and cover completed operations.
Certificates and loss control
Same-day certificates with endorsements for customer and OEM contracts, contract-requirement review, on-site safety and OSHA-compliance support, and experience-mod reduction over time.
Every policy a manufacturer may need
Filter by type or search for a specific coverage.
Product Liability
Injury and property-damage claims from the products you make, with completed-operations coverage that follows your product after delivery.
General Liability
Premises, operations and contractual liability for third-party claims at your facility or from your work.
Commercial Umbrella
Extra limits ($5M–$25M+) above primary policies for major product-liability claims, serious injuries and large lawsuits.
Product Recall
First-party recall expenses: notification, shipping, storage, disposal and business interruption from voluntary or required recalls.
Commercial Property
Buildings, equipment, machinery, raw materials, work-in-process and finished goods, with floaters for high-value items at replacement cost.
Equipment Breakdown
Boiler-and-machinery coverage for mechanical and electrical breakdown of production equipment, HVAC, panels and computer-run machinery that property policies exclude.
Inland Marine
Goods in transit, equipment at customer sites and property moving between facilities.
Business Interruption
Lost income and ongoing expenses during a shutdown from a covered property loss, with extended and extra-expense coverage.
Contingent Business Interruption
Lost income when damage to a key supplier or customer disrupts your operations.
Workers' Compensation
Required coverage for employee injuries, with experience-mod management, return-to-work and safety support that lower premiums over time.
Commercial Auto
Delivery vehicles, forklifts and company vehicles, plus hired and non-owned auto.
Cyber Liability
Ransomware, data breaches and business interruption from cyber events targeting networked industrial controls.
Manufacturing industries we serve
Programs for these classes and more.
Metal fabrication & machining
Food & beverage processing
Plastics & injection molding
Electronics manufacturing
Aerospace parts
Medical device manufacturing
Auto parts & suppliers
Wood products & millwork
Chemical & coatings
Packaging & converting
Industrial equipment
Consumer products
Specialists who speak manufacturing
Manufacturing focus
Since 1992 we've insured Pacific Northwest manufacturers: parts makers, contract manufacturers and finished-goods producers. Correct classification, right limits, right forms.
Safety and loss control
On-site safety checks, OSHA-compliance review, ergonomic studies and machine-guarding analysis to reduce injuries and workers' comp cost. Our manufacturing clients average a 40% claim reduction within 24 months.
Specialty access and recall planning
Specialty carriers for hard-to-place risks such as aerospace suppliers, medical-device makers and challenging loss histories, plus recall coverage and response planning.
Get your manufacturing insurance quote
Request a complete manufacturing insurance review to find coverage gaps, cost-reduction opportunities and the right protection for your facility and products.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.