Production assets and stock
Review buildings, machinery, raw materials, work in progress and finished inventory. Check replacement cost, property of others, equipment breakdown and causes of loss.
Business insurance
Manufacturing insurance
Manufacturers may use specialized machinery and produce goods for customers or other businesses. The operation’s materials, equipment and distribution affect the questions to ask.
Understanding your options
What to know about manufacturing insurance
Manufacturing insurance is not a single standardized policy. A business may need to compare property, machinery, third-party product liability and income-interruption terms for its particular processes.
What to compare
- Identify owned, leased and customer-owned machinery or materials.
- Describe finished products, distribution and completed operations.
- Review interruption triggers, valuation and transport exclusions.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Products and completed work
Explain what products do, their intended users and how they are distributed. General liability may address certain products or completed-operations claims, subject to policy conditions and exclusions.
Interruption and transport
A business income claim can depend on physical damage from a covered cause and other conditions. Review goods while being shipped and any supplier or customer dependency separately.
Before you reach out
A few details can help start the conversation.
- A general description of products and processes
- Facility locations and equipment categories
- Questions about product liability and business interruption
Common questions
Manufacturing insurance FAQ
Does building insurance cover all machinery breakdown?
No. Ask how breakdown, maintenance-related damage and the specific equipment are addressed in the policy.
Does a property policy cover product liability claims?
Property damage to your own assets and liability claims by others are different exposures. Compare the relevant liability terms.
Are customer-owned materials included?
Review whether property of others is covered, its location, applicable limits and valuation.
Does business income coverage apply to every supply-chain delay?
No. Check the trigger, covered property, applicable endorsements and exclusions for suppliers or customers.
Start a conversation
Ask about manufacturing insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.