Manufacturer Insurance
Guardian Insurance Agency
Keep production steady, protect the plant, the product, and the promise.
Manufacturing risks don’t stop at the factory door. You face exposures across design, production, quality, logistics, and customer contracts. A tailored manufacturer insurance program protects your facilities and equipment, your products in the market, and your income when disruption strikes.
Why manufacturers need a purpose‑built program
Generic business policies often miss the realities of manufacturing product liability, recall costs, stock throughput, supply‑chain dependencies, and selling price valuation. We design coverage around how you make, move, and sell.
Core coverages we typically include
Property & Income (on‑site protection)
- Commercial Property: Buildings, production lines, tooling, molds, and landlord‑owned improvements.
- Business Income & Extra Expense: Replace lost revenue and fund temporary workarounds after a covered physical loss.
- Equipment/Systems Breakdown: Mechanical/electrical failure (boilers, compressors, drives, transformers); expediting, spoilage, and haz‑mat clean‑up where applicable.
- Ordinance or Law: Increased costs to meet current code after a loss.
Liability (off‑site protection)
- General Liability & Products–Completed Operations: Bodily injury and property damage from your premises and finished goods.
- Umbrella/Excess Liability: Higher limits over GL/Auto/Employers Liability for catastrophic claims.
Professional & Contractual
- Errors & Omissions (Manufacturers E&O): Financial loss from design/specification errors, missed tolerances, late delivery, or failure to meet performance standards (even when no one is physically injured).
Workers & Fleet
- Workers Compensation & Employers Liability.
- Commercial Auto/Fleet: Owned units; add Hired & Non‑Owned Auto for rentals and employee vehicles.
Logistics & Inventory
- Motor Truck Cargo (inland transit).
- Ocean Cargo / Stock Throughput: Warehouse‑to‑warehouse coverage that follows goods through inbound, storage, and outbound legs often broader than standalone cargo forms.
Product Recall & Brand Protection
- Product Recall / Contaminated Products: Recall execution, disposal, replacement, business interruption, crisis management/PR, and some third‑party financial loss (form‑dependent).
Cyber & Data
- Cyber Liability: Network security/privacy claims, ransomware, regulatory response are critical for connected production (OT/ICS) and supplier portals.
Manufacturers Selling Price — why it matters
Add a Manufacturers’ Selling Price clause to value finished stock at the price you would have sold it for not just its raw material cost. After a covered loss, this helps recover the profit margin you otherwise might lose.
Supply‑chain & dependency protection
- Contingent Business Interruption (Dependent Properties): Lost income when non‑owned suppliers or customers suffer a covered loss and your production stalls.
- Leader Locations / Attraction Property: When major customers or nearby “draw” properties drive your sales.
- Ingress/Egress & Civil Authority: Access closures that halt operations even when your plant isn’t physically damaged.
What drives pricing
- Products & hazards: Consumer vs. industrial, safety profile, failure modes.
- Processes & equipment: Heat, pressure, chemicals; automation/robotics; power quality.
- Quality control & certifications: ISO/AS standards, traceability, testing.
- Loss history & contracts: Indemnities, warranties, limitation of liability.
- Limits, deductibles, endorsements: Recall, selling price, BI waiting periods, cargo/stock throughput.
Practical controls that reduce risk (and often premium)
- Quality & traceability: Documented specs, COA/COC, batch/lot tracking, supplier audits.
- Preventive maintenance: PM logs for critical equipment; surge protection; spares strategy.
- Production & safety: LOTO, guarding, PPE, near‑miss reporting; hot‑work permits; fire protection integrity.
- Cyber hygiene: MFA, network segmentation (IT/OT), offline backups, patching, EDR.
- Contract hygiene: Cap liability, define specs/acceptance criteria, mutual indemnity where possible.
- Recall readiness: Mock recalls, crisis communications plan, designated recall team.
The Guardian way
We map your processes, products, and logistics, review contracts and quality controls, then assemble a manufacturer program that aligns property, BI, breakdown, GL/products, E&O, recall, cargo/stock throughput, and cyber with the Manufacturer’s Selling Price and dependency coverages you actually need. One incident shouldn’t stall the line.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705