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Machine shop and manufacturing insurance, explained
Cost guides, coverage explainers, and owner resources for machine shops and manufacturers — written and reviewed by Nate Jones, CPCU.
- Cost Guides
Machine Shop & Manufacturing Insurance Cost in Texas
What drives machine shop and manufacturing insurance cost in Texas — payroll, sales and product end-use, equipment, recall exposure, claims, and coverage.
- Cost Guides
Machine Shop & Manufacturing Insurance Cost in Alabama
What drives machine shop and manufacturing insurance cost in Alabama — payroll, sales and product end-use, equipment, recall, claims, and coverage.
- Cost Guides
Machine Shop & Manufacturing Insurance Cost in Arizona
What drives machine shop and manufacturing insurance cost in Arizona — payroll, sales and product end-use, equipment, recall, claims, and coverage.
- Cost Guides
Machine Shop & Manufacturing Insurance Cost in Arkansas
What drives machine shop and manufacturing insurance cost in Arkansas — payroll, sales and product end-use, equipment, recall, claims, and coverage.
- Cost Guides
Machine Shop & Manufacturing Insurance Cost in Colorado
What drives machine shop and manufacturing insurance cost in Colorado — payroll, sales and product end-use, equipment, recall, claims, and coverage.
- Cost Guides
Machine Shop & Manufacturing Insurance Cost in California
What drives machine shop and manufacturing insurance cost in California — payroll, sales and product end-use, equipment, recall, claims, and coverage.
- Coverage Explained
What Is Products-Completed Operations for Manufacturers?
Products-completed operations is the part of general liability that answers when a product you made fails downstream, after it leaves your control.
- Coverage Explained
Additional Insured Endorsements for Manufacturers
How additional-insured endorsements add a customer to your policy — CG 20 10 for ongoing operations, CG 20 37 for completed-operations products tail.
- Coverage Explained
Equipment Breakdown vs. Property Insurance for Machines
Property insurance answers external perils like fire and theft; equipment breakdown answers a machine’s internal mechanical and electrical failure.
- Coverage Explained
Business Interruption Insurance for Manufacturers
When a covered loss halts production, business interruption replaces the income lost and extra expense covers the added cost of keeping work moving.
- Coverage Explained
Manufacturers Errors and Omissions Insurance, Explained
When a product underperforms but hurts no one, general liability leaves a gap. Manufacturers E&O is the line that fills that pure financial loss.
- Coverage Explained
Occurrence vs Claims-Made Coverage for Manufacturers
Occurrence triggers on when harm occurs; claims-made triggers on when the claim is reported. Why the long products tail favors occurrence coverage.
- Owner Resources
What Is My Machine Shop or Manufacturing Business Worth?
What drives a machine shop or manufacturer’s value — certifications, backlog, customer concentration — and the SDE and EBITDA multiples buyers use.
- Owner Resources
Automation for Small Machine Shops: Where to Start
How a small machine shop starts with one automated cell — robotic part-tending, lights-out runtime, and codifying a retiring machinist’s knowledge.
- Owner Resources
Business Continuity and Equipment Breakdown Planning
When a critical machine goes down, production stops. Redundancy, critical spares, cross-training, and a continuity plan turn a breakdown into a delay.
- Owner Resources
Hiring and Retaining Skilled Machinists
The skilled-labor shortage is manufacturers’ top challenge. How machine shops source, train, and keep CNC machinists, welders, and controls talent.
- Owner Resources
How Certifications Drive Manufacturing Business Valuation
Why AS9100, NADCAP, ISO 13485, and ITAR move a machine shop’s valuation multiple more than size does — the certification moat, explained for owners.
- Owner Resources
How to Prepare Your Manufacturing Business for Sale
What moves a machine shop or manufacturer’s sale multiple in the year or two before a sale — certifications, concentration, management, clean books.
Have a question about insuring your shop or plant?
Talk to a specialist who writes the machine-shop and manufacturing class, or start a quote.