MANUFACTURING INSURANCE

Business Insurance for Manufacturers

Manufacturing businesses operate in complex environments where equipment, employees, and production processes all work together to deliver finished products. Whether you produce components, consumer goods, or custom fabricated items, manufacturing comes with operational and financial risks. Business insurance helps support manufacturers by addressing exposures that can affect production, employees, and long term business stability.

Common Risks Manufacturers Face

Manufacturers regularly manage risks such as:

• Injuries to employees working with machinery or production equipment
• Damage to buildings, inventory, or raw materials
• Equipment breakdowns that disrupt production schedules
• Product related claims involving defects or failures
• Vehicle accidents involving deliveries or transportation of goods

Planning for these risks is an important part of running a resilient manufacturing operation.

Types of Insurance Manufacturers Often Consider

Coverage needs vary by operation, but many manufacturers explore the following insurance options as part of a well rounded risk management approach.

• General Liability Insurance - General liability insurance may help address claims related to third party injuries or property damage. For manufacturers, this could involve visitors at a facility or damage connected to business operations.
• Product Liability Insurance - Manufacturers often face exposure related to the products they produce. Product liability insurance is designed to help with claims involving bodily injury or property damage allegedly caused by a product after it leaves the facility.
• Commercial Property Insurance - Manufacturing facilities typically rely on buildings, machinery, inventory, and raw materials. Commercial property insurance may help with losses related to fire, storms, theft, or other covered events that damage physical assets.
• Equipment Breakdown Insurance - Production often depends on specialized machinery. Equipment breakdown insurance is designed to help with repair or replacement costs when critical equipment fails unexpectedly, which can help reduce downtime.
• Workers Compensation Insurance - Manufacturing work can be physically demanding. Workers compensation insurance is designed to assist with medical expenses and lost wages if an employee is injured while performing job duties and is commonly required for businesses with employees.
• Commercial Auto Insurance - Many manufacturers use vehicles for deliveries or transportation of goods. Commercial auto insurance helps address risks related to accidents involving business owned or business used vehicles.

Why Insurance Matters for Manufacturers

A thoughtful insurance strategy can help manufacturers protect production schedules and revenue, support employee safety and retention, meet customer, lender, or contract requirements, and manage financial exposure tied to products and operations.

Find Coverage That Supports Your Manufacturing Business

No two manufacturing businesses are the same. Production processes, facility size, product types, and workforce needs all influence insurance considerations. Working with an insurance professional who understands manufacturing risks can help you explore coverage options aligned with your operation.

Protect your facility, your products, and your future. Contact Core Insurance Services today to discuss business insurance solutions designed for manufacturers.