Commercial / Manufacturing

Michigan Manufacturing Insurance

A manufacturer's risk runs from the shop floor to the product in a customer's hands. Michigan manufacturing insurance protects your equipment and inventory, the income that depends on them, and the liability that follows your product out the door.

What we do for manufacturing insurance clients

• Product liability done right — coverage for claims that your product caused injury or damage — the exposure that outlasts the sale.
• Protect the operation — property for your building, machinery, and stock, plus business interruption and equipment breakdown so a loss doesn't stop production.
• Coverage matched to your process — fabrication, food and beverage, plastics, metal, and assembly each carry different exposures.
• Multi-carrier shopping — we compare manufacturing markets for the right program at the right price.

Manufacturers we cover

Metal fabrication and machine shops, plastics and injection molders, food and beverage producers, furniture and wood products, electronics and assembly, contract manufacturers, and other Michigan producers.

What manufacturing insurance covers

• Product liability — claims that your finished product caused injury or damage.
• Commercial property — your building, machinery, equipment, and inventory.
• Business interruption — income lost while a covered loss halts production.
• Equipment breakdown — mechanical or electrical failure of critical machinery.
• Workers compensation — required for nearly every Michigan employer.

Common questions

What insurance does a manufacturer need in Michigan?

Typically product liability, commercial property for equipment and stock, general liability, business interruption, equipment breakdown, commercial auto, and workers comp. Recall coverage and inland marine for goods in transit are common additions. We build the program around your process.

Why is product liability important for manufacturers?

Because your exposure doesn't end when the product ships — if it injures someone or damages property later, the claim comes back to you, often years on. Product liability defends and pays those claims, and it's essential for anyone making a physical product.

Does manufacturing insurance cover equipment breakdown?

It can, as a coverage you add. Equipment breakdown pays to repair or replace machinery that fails mechanically or electrically — and often the business income lost while it's down. For a production business, it's one of the most valuable add-ons.

How much does manufacturing insurance cost in Michigan?

It depends on your product, revenue, payroll, equipment values, and loss history. A small machine shop pays far less than a food producer. Because we're independent, we shop manufacturing markets to find your best combination of coverage and price.