Manufacturing businesses face complex risks involving equipment, employees, property, technology, supply chains, and customer obligations.
Mason-McBride helps manufacturers evaluate insurance options designed around their operations, industry requirements, and risk exposures.
From protecting facilities and equipment to addressing workers’ compensation, liability, cyber risks, and employee benefits, we work with businesses to build insurance programs that support long-term goals.
Request a Commercial Insurance Review
When Manufacturing Insurance Gets More Complex
Insurance needs can change as a manufacturer grows, adds locations, purchases specialized equipment, takes on larger customer contracts, increases payroll, or expands into other states.
A broader insurance review may be useful when your company has:
- Multiple locations or operations in more than one state
- Significant machinery, equipment, inventory, or raw materials
- Product liability or completed-operations exposure
- Contractual insurance requirements from major customers
- Commercial vehicles or delivery operations
- A growing workforce or changing payroll
- Higher liability limits or umbrella/excess requirements
- Increasing reliance on technology or automated systems
Manufacturing Insurance Coverage Options
Every manufacturing operation is different, but common insurance considerations include:
General Liability
Coverage for certain claims involving bodily injury, property damage, product-related claims, and advertising injury.
Learn More About General Liability Insurance
Commercial Property
Protection for buildings, machinery, equipment, inventory, raw materials, and finished products against covered losses.
Learn More About Commercial Property Insurance
Workers’ Compensation
Coverage that provides benefits to employees who experience work-related injuries or illnesses. Employee classifications, payroll, claims history, and workplace safety can all affect the insurance program.
Learn More About Workers’ Compensation Insurance
Equipment Breakdown and Business Interruption
A breakdown involving critical machinery or equipment can disrupt production. Coverage may help address certain equipment damage, lost income, or additional expenses following a covered loss.
Cyber Liability
Manufacturing operations increasingly depend on technology, automation, connected equipment, and digital systems. Cyber coverage can address certain costs and liabilities associated with covered cyber events.
Learn More About Cyber Liability Insurance
Commercial Auto and Inland Marine
Depending on how products, materials, vehicles, and equipment move as part of the business, additional coverage may be needed beyond the primary manufacturing facility.
Employee Benefits for Manufacturing Employers
Attracting and retaining skilled employees is an important consideration for many manufacturing companies.
Mason-McBride helps manufacturing employers evaluate employee benefits options, including:
- Group health insurance
- Dental and vision benefits
- Life insurance
- Disability coverage
- Voluntary benefits
Operating in More Than One State?
Expanding a manufacturing operation across state lines can affect workers compensation, payroll, commercial auto, property, certificates of insurance, customer contracts, and other state-specific requirements.
If your company is adding a facility, workforce, vehicle exposure, or customer operations in another state, review the insurance program before the expansion is treated as business as usual.
Mason-McBride works with organizations whose operations extend beyond Michigan and can help evaluate how a growing geographic footprint affects the broader program.
Risk Management for Manufacturers
Insurance is only one part of managing risk in a manufacturing operation.
A broader review can also look at areas such as workplace safety, claims history, contracts, business continuity, equipment, employee classifications, fleet operations, cybersecurity, and changes in the company's products or processes.