Common questions about Manufacturing
Answering the most frequently asked questions about Manufacturing.
Yes, if the goods are yours until delivery. Property coverage stops at your premises. Inland marine or cargo coverage handles goods on the road, and your shipping terms determine when risk actually passes.
Generally yes. As the manufacturer of the finished item you’re in the chain of distribution for everything in it. Vendor agreements and additional insured status from suppliers can help, but they don’t remove you from the claim.
Business interruption covers income and continuing expenses during restoration. Pay attention to the restoration period, since re- tooling and equipment lead times in manufacturing often outlast a policy’s assumed timeline.
No, and this catches manufacturers out regularly. Product liability pays for injury or damage your product causes. Recall pays the cost of retrieving and replacing product before anyone is hurt. Recall is usually a separate purchase.
Not internal failure. Property covers fire, theft and similar perils. Mechanical, electrical and pressure system failure requires equipment breakdown, which also covers spoiled stock and lost income during repair.
Implementing safety measures, maintaining a clean claims history, and choosing higher deductibles can help lower insurance costs.
Costs are influenced by product types, manufacturing operations, equipment value, revenue, location, risk control measures, and employee count.
A BOP combines general liability and commercial property insurance, often providing broader coverage at a lower cost than purchasing separate policies.
Essential policies include general liability, product liability, workers’ compensation, business owner’s policy, and commercial auto insurance.
Product liability insurance protects against claims that a product you made caused injury or damage, covering legal fees, judgments, or settlements.
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