Essential Manufacturing Insurance Types

General Liability Insurance

Protects against third-party injury claims, property damage, and product liability lawsuits. Essential coverage for manufacturers who face constant exposure to customer injuries, vendor accidents, and product defect allegations.

Commercial Property Insurance

Covers your manufacturing facility, production equipment, inventory, raw materials, and finished goods against fire, theft, vandalism, and covered natural disasters that could shut down operations.

Product Liability Insurance

Critical protection against claims that your manufactured products caused injury or property damage. Covers legal defense, settlements, and judgments even when manufacturing processes followed all safety protocols.

Business Interruption Insurance

Replaces lost income and covers ongoing expenses when covered property damage forces production shutdowns, helping maintain cash flow during equipment repairs or facility reconstruction.

Workers' Compensation Insurance

Mandatory coverage for employee injuries in manufacturing environments. Covers medical expenses, lost wages, and legal costs related to workplace accidents, repetitive stress injuries, and occupational illnesses.

Equipment Breakdown Insurance

Specialized coverage for production machinery, boilers, electrical systems, and computer equipment. Pays for equipment repair/replacement plus lost income during breakdown periods.

Commercial Auto Insurance

Essential for manufacturers with delivery trucks, company vehicles, or mobile equipment. Covers vehicle damage, liability claims, and cargo protection during transportation operations.

Cyber Liability Insurance

Protects against data breaches, ransomware attacks, and network security failures that could compromise manufacturing systems, customer data, or proprietary production information.

Industries We Serve

Food & Beverage Manufacturing
Specialized coverage for food processing, packaging, and beverage production including product recall, contamination, and regulatory compliance protection.

Automotive Manufacturing
Comprehensive protection for auto parts manufacturers, assembly operations, and suppliers including product liability and supply chain interruption coverage.

Electronics & Technology Manufacturing
Coverage for semiconductor fabrication, electronics assembly, and technology device manufacturing including intellectual property and tech E&O protection.

Chemical & Pharmaceutical Manufacturing
Specialized policies for chemical processing, pharmaceutical manufacturing, and medical device production with enhanced environmental and product liability coverage.

Metals & Machinery Manufacturing
Protection for metal fabrication, machinery manufacturing, and heavy equipment production including contractors' pollution liability and completed operations coverage.

Textile & Apparel Manufacturing
Coverage for fabric production, garment manufacturing, and textile processing including international operations and supply chain protection.

Manufacturing Risk Factors

Equipment & Machinery Risks
Production equipment breakdowns, machinery accidents, and maintenance-related exposures that can cause significant business interruption and expensive repairs.

Product Liability Exposures
Defective product claims, recall costs, and consumer injury lawsuits that can result from manufacturing defects or design flaws in finished goods.

Supply Chain Vulnerabilities
Supplier failures, raw material shortages, and transportation disruptions that can halt production and impact customer delivery commitments.

Workplace Safety Hazards
Employee injuries from machinery operation, material handling, chemical exposure, and repetitive motion activities common in manufacturing environments.

Environmental Concerns
Pollution liability, waste disposal issues, and environmental cleanup costs related to manufacturing processes and chemical usage.

Cyber Security Threats
Industrial espionage, production system hacking, and intellectual property theft targeting manufacturing operations and proprietary processes.

Get Your Manufacturing Insurance Quote

Protect your manufacturing operation with comprehensive coverage designed for your industry. Our experienced agents understand manufacturing risks and will work with you to build a protection plan that covers your specific operations, equipment, and exposures.

Key Benefits of Working with Harper:

• Industry-specific coverage expertise
• Competitive quotes from multiple carriers
• Risk management consultation
• Claims advocacy and support
• Coverage that grows with your business

Ready to protect your manufacturing business? Contact Harper Insurance today for a comprehensive quote tailored to your production operations and risk profile.