Whether you are a large manufacturing operation or a smaller specialized shop, there are certain risks manufacturing businesses experience daily. From equipment failure, to workplace injury, you need a manufacturers insurance solution designed to meet the unique risks of operating a business in the manufacturing sector.

Federated Insurance understands the risks manufacturers are exposed to and has designed specialty manufacturers coverage. We’re here to help you identify potential risks and illustrate how our coverage can help protect your business in the event of an unforeseen loss.

How your manufacturers insurance policy can help

If you create products from your home or operate a manufacturing workshop, appropriate insurance coverage can help protect you and your business. There are a few essential types of coverage that every business should consider, regardless of size or scale. Here are three important elements of most manufacturers insurance policies and the risks that they can help mitigate.

Risk: Third party liability | Coverage: Commercial general liability insurance

Liability refers to the legal responsibility of your business for damages or losses suffered by a third party. This can be associated with your property, products, and operations. Let’s say a person sustains injuries due to a slip and fall while visiting your location. You may be held accountable for the associated expenses if you’re found liable.

Every business faces liability, making liability protection so vital. No matter what type of manufacturing you’re in or the size of your operation, you should protect yourself against the threat of liability claims and lawsuits. Commercial general liability insurance does just that. It’s designed to protect business owners if they’re found liable for bodily injuries or property damage to a third party.

Risk: Property damage | Coverage: Commercial property insurance

Protecting your assets is important regardless of the size of your manufacturing business. Whether it’s your facilities, tools, technology, or devices, commercial property insurance may provide the protection you need—making it a valuable part of your manufacturers insurance policy.

Not only does commercial property insurance cover your building if you own it, but it can also extend to the contents. Your equipment, furniture, machinery, and office equipment may be covered. From repair to replacement, your commercial property insurance may cover the costs of damage to your property.

Risk: Vehicle or fleet damage | Coverage: Commercial auto insurance

If your manufacturing operations involve the regular use of vehicles, then commercial auto insurance can be essential when it comes to protecting your employees, your bottom line, and yourself.

Commercial auto insurance can help cover medical expenses and lost wages if you, your drivers, or your passengers get injured in a car accident involving a business vehicle. It may also provide replacement car coverage if you must rent a temporary car for regular business operations.

Manufacturers insurance can help keep your business protected

In addition to providing you with liability, property, and auto coverage, a manufacturers insurance policy can include coverages customized to your business so all your bases are covered.

Protection throughout the manufacturing process, from production to delivery, is essential. We know that a concrete manufacturing company faces a different set of risks than, for example, a toy manufacturer. That’s why we’ve crafted a range of solutions to address the challenges you may meet in your day-to-day work, such as:

Business interruption

Business interruption insurance can help replace income lost due to a covered risk that suspends your business operations. For example, if your business experienced a break-in resulting in the theft of equipment, business interruption insurance may be able to help offset your regular business expenses, such as rent or employee salaries, until you replaced the stolen equipment and resumed normal operations.

While your commercial property coverage may help cover repair and replacement costs for damaged or stolen property, your business may be unable to reopen without a source of income during that time. Business interruption insurance helps ensure that your business can continue to operate even in the event of a disruption, providing peace of mind and financial security.


Crime insurance offers coverage that can help protect you from employee dishonesty, credit card forgery, and other types of theft by employees and others.


With cyber threats on the rise, cyber insurance is becoming increasingly crucial for businesses. Cyber risk insurance helps companies protect themselves from cyber threats. It can help cover the cost of lost or stolen devices, breached computer networks, and business interruptions caused by stolen information or corrupted computer systems.


Pollution liability insurance can be an essential coverage for businesses as pollutants can cause extensive damage to the environment and community, which can negatively impact your business. This insurance can help protect your ongoing and completed projects against property damage, bodily injury, and clean-up.

Talk to us about manufacturers insurance today

Federated can help protect your business with manufacturers insurance so you can focus on your day-to-day operations. Our industry-trained professionals take the time to understand your business and align your coverage with your changing needs. Get your free quote today.


This blog is provided for information only and is not a substitute for professional advice. We make no representations or warranties regarding the accuracy or completeness of the information and will not be responsible for any loss arising out of reliance on the information. Terms, conditions and exclusions apply to coverage. See policy for details.