Manufacturing Insurance

Manufacturing insurance typically combines product liability, general liability, commercial property for the plant and machinery, equipment breakdown, inland marine for goods in transit, and workers’ compensation. California applies strict product-liability standards across the supply chain, and workers’ compensation is required once a manufacturer has any employees on the floor.

Running a manufacturing operation in California means managing a lot at once: a plant full of machinery, raw stock and finished goods, employees on the floor, and products moving out to customers who trust that what you built is safe. We help California manufacturers put together a program that fits how your operation actually runs.

What does manufacturing insurance cover?

• Product liability, which responds when a product you make is alleged to have caused injury or property damage.
• General liability for third-party bodily injury and property damage tied to your premises and operations.
• Commercial property covering your plant, machinery, and stock.
• Equipment breakdown for sudden mechanical or electrical failure of critical machinery.
• Inland marine for property in transit or stored off-site.
• Workers’ compensation for employee injuries and illness.
• Commercial auto for vehicles used in the business.

California applies strict product-liability standards across the supply chain, which means a manufacturer may be held responsible for a defective product even without proof of negligence. Standard commercial property and BOP policies typically exclude earthquake and flood, so plants in exposed areas often address those separately. In California, workers’ compensation is required once a business has any employees.

How we help: we start by learning how your plant runs: what you make, the machinery you depend on, where products travel, and who is on your team. From there we help you map your exposures to coverages and identify gaps, then build a program that reflects your real operation.