Coverage
Machine shop and manufacturing insurance coverages
A shop or plant does not carry one policy — it carries a stack of coverage lines, each answering for a different way the work can go wrong, from a defective product that fails downstream to a machine that breaks down on the floor. Here are the 7 we write for machine shops and manufacturers.
The coverage a shop or plant needs is driven by the work: a defective product that fails in the field after it ships, a recall that pulls product back off the market, a CNC cell that breaks down and stops the line, and the machine-intensive floor where a real injury exposure lives. No single policy answers for all of it. Two exposures in particular define this class and lead our coverage — the products-liability and products-completed operations exposure in general liability, where a product that fails downstream becomes the claim, and the manufacturing machine and equipment exposure with equipment breakdown, where the machines that are the business fail from the inside. How heavily each line is weighted depends on whether you run a machine shop or a manufacturing operation. The services overview explains how the two operating models change the emphasis.
General Liability Insurance
Third-party bodily injury and property damage coverage for machine shops and manufacturers — built around products liability and products-completed-operations (a defective part or product causing downstream injury or property damage after it leaves your facility), the manufacturer's number-one exposure. The signature general liability page for the manufacturing trade.
See the coverage →Commercial Property Insurance
Coverage for the building, contents, stock, finished goods, and raw materials at a machine shop or manufacturing facility — the plant, the inventory in process, and the product waiting to ship, protected against fire, theft, and the perils a production facility carries.
See the coverage →Manufacturing Machine & Equipment Insurance
Coverage for the CNC machines, lasers, presses, and welding equipment that are the core asset of a machine shop or plant — plus equipment breakdown, the mechanical and electrical failure of a production machine that property coverage alone leaves out. A signature line for this industry.
See the coverage →Workers Compensation Insurance
Medical and lost-wage coverage for machine operators, fabricators, and plant crews — with honest handling of the four monopolistic state-fund states and the machine-guarding, lifting, and material-handling injury profile of a production floor.
See the coverage →Umbrella Liability Insurance
Excess limits above general liability and other underlying policies for larger machine shops and manufacturers — and the higher limits that major customers, distributors, and supply contracts often require of their suppliers.
See the coverage →Product Recall Insurance
Recall-expense coverage for the cost of pulling a defective product back — notification, shipping, disposal, and replacement — distinct from the products-liability that covers the harm a defective product causes. The first-party expense of a recall for a manufacturer.
See the coverage →Manufacturers Errors & Omissions Insurance
Professional liability for manufacturers — coverage for the financial loss when a product fails to perform as specified or promised, distinct from the bodily-injury and property-damage exposure that products liability handles. The performance-and-specification exposure a precision manufacturer carries.
See the coverage →Build the stack to your operation
Coverage is only right when it is weighted to how you actually work. Start a quote and tell us what you make or machine, see how the lines differ by model under Machine Shop Insurance and Manufacturing Insurance, or browse the states we serve on the locations index.
Primary sources
Get the right coverage stack for your shop or plant
Tell us whether you machine to a customer’s print, sell your own product, or both — and we will market it to carriers that write the class.