Insurance for manufacturers and fabricators
Manufacturers carry a heavier program than most. The building is full of equipment. The equipment makes a product. The product ends up in someone else's hands. Each link in that chain is its own underwriting decision, and getting one wrong is what turns a routine renewal into a six-figure problem.
The four areas we underwrite for
Property. Buildings, machinery, raw materials, and finished goods, usually a seven-figure schedule that needs an accurate replacement-cost valuation, not a guess from five years ago.
Products. Once a product leaves the dock, a defect or contamination can trigger a recall, a bodily injury claim, or both. Products liability and recall expense are written for this.
People. Workers' comp on a manufacturing floor is rated on actual classifications, not the generic ones that brokers sometimes default to. A wrong class code can cost thirty percent.
Continuity. When the line goes down, the bills keep coming. Business interruption and equipment breakdown are the policies that pay rent and payroll while you rebuild.
Lines we typically place
Commercial property with an agreed-value endorsement. Products and completed operations. Equipment breakdown. Business interruption with an extended period of indemnity. Inland marine for goods in transit. Ocean cargo for importers and exporters. Workers' compensation with an experience-mod review. Pollution coverage where chemicals are stored or processed.
Tell us about your business and we'll come back with options from carriers writing your class.
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