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INSURANCE FOR MANUFACTURERS

You keep making great products. Let us fabricate a manufacturer's liability insurance policy that keeps up with your operations.

Get commercial manufacturers liability insurance from Selective tailored to your business needs

Finding the right commercial insurance for your manufacturing business doesn’t have to feel like assembling a jigsaw puzzle.

Selective Insurance offers a wide range of manufacturer’s insurance coverages designed to help protect your business, specialty equipment, employees, and more.

Selective’s Risk Management team can offer even more with expert training and guidance to help you make your workplace safer.

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TYPES OF MANUFACTURERS WE INSURE

Selective’s broad and flexible manufacturers insurance can meet your unique needs. We have experience insuring manufacturers across many different niches and industries, including:

Clothing and textile products
Electrical products and components
Fabricated metal products
Food and kindred products
Furniture and fixtures
Industrial machinery and parts
Machine shops
Plastics and rubber products
Stone, clay and glass products
Printers
Technology products and providers
Lumber and wood products

Don't see your business type listed? Contact us, so together with our independent agency partners, we can help you find a manufacturers insurance policy that fits your needs.

COMPREHENSIVE INSURANCE FOR MANUFACTURERS

Manufacturers need insurance to protect their businesses, daily operations, and staff. Mistakes happen, and a customized insurance policy from Selective can help you recover from loss or liability. Here are key manufacturing coverage highlights:

Commercial Property Insurance

Commercial property insurance can help cover your property and its contents against loss or damage caused by fire, theft, vandalism, and more. Coverages may include:

Building, business property, property of others, and continuing business expense
Business income from dependent properties
Commercial inland marine, including property in transit, and computers and media
Consequential loss to stock and selling price valuation
Property off-premises

Personal property seasonal limits increase
Equipment breakdown
Service interruption
Spoilage
Utility services – direct damage and time element

Liability insurance helps cover expenses and liability arising out of a claim against your manufacturing business. Coverages may include:

Bodily injury, property damage, and personal and advertising injury
Broad form vendors
Damage to premises rented to the manufacturer
Blanket additional insured

Expenses to conduct a product recall with additional covered expenses, including the cost to replace the product recalled, the customer’s consequential loss of profits, and good faith advertising expenses
Manufacturer’s Errors & Omissions
Cyber Liability

Commercial auto insurance helps cover liability for bodily injury, collision damages, and more, when you and your employees operate business-owned (or rented) vehicles for work purposes. Coverages may include:

Rental reimbursement
Employees as insureds for non-owned, hired, or borrowed autos
Hired car physical damage
Lease gap (where available)

Protect your manufacturing business with product recall coverage from Selective.

Does Your Business Insurance Cover Product Recalls?

Product recalls are always a risk for manufacturers. Understanding the recall process and how to protect your business in case of a product recall can help you mitigate potential financial and reputational losses.

Click here to Mitigate Recall Risks about Does Your Business Insurance Cover Product Recalls?

Optional Coverage Enhancements for Manufacturers

Get even greater protection with optional coverages designed for manufacturing businesses like yours. Selective’s independent agency partners can discuss options to enhance your policy, including:

Business income – actual loss sustained
Commercial umbrella liability
Cyber liability
Employers protection program
Management liability
Manufacturers errors & omissions
Printers errors & omissions
Product recall coverage (up to $1M)
Workers compensation

Risk Management Services

Creating a safe business environment can help ensure you and your team are safe on the job and also help to minimize potential losses. Selective's Risk Management experts can offer firsthand guidance and training resources to help you keep your operations running smoothly. Services include:

Thermographic infrared surveys
Best practices assessment/gap analysis
Contractual liability consultation
Customized workers compensation cost containment
Driver and fleet safety programs
Exposure reduction consultations

OSHA 30-hour training
Premises liability reviews
OSHA and FDA regulatory guidance
Safety assessment and benchmarking tools
Sprinkler system evaluation and analysis
Supervisor accountability programs

Discover how our Risk Management solutions can help protect your manufacturing business.

FREQUENTLY ASKED QUESTIONS ABOUT MANUFACTURERS INSURANCE

Who needs manufacturing insurance?

Whether they are big or small, all manufacturing businesses should have a business insurance policy that provides the coverage, limits, and deductibles that your business needs. Look to Selective and our independent agency partners to help you understand your exposures and provide a customized manufacturing insurance policy quote.

How much does manufacturing insurance cost?

Manufacturing insurance costs vary depending on your operations and what your business produces. If your business products require a complex manufacturing process or have a higher risk (highly-flammable items, for example), it could affect the cost of your insurance policy. So could the ownership or use of specialized manufacturing equipment.

At Selective, we offer broad limits and coverages that allow us to provide manufacturing businesses with insurance policies that are priced based on your risks and needs. Our independent agency partners will get to know you and your business and provide a customized quote for your exact policy and risk needs.

What does an insurance policy for a manufacturing company cover?

Insurance for manufacturing businesses can cover many unique circumstances depending on the policy coverages specified in your insurance policy. For example, manufacturing insurance typically includes such coverages as:

Damage to your manufacturing facility’s building in the event of a fire
Replacement of specialized equipment if it breaks down or is out of service
Coverage for damages if your equipment is damaged in transit (moving computers, for example)
Reimbursement for spoilage if ingredients or perishables are lost due to a breakdown in refrigeration
Loss of business income
Coverage for damages or injuries due to your products