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Industries · Manufacturing
Manufacturing Insurance — light manufacturing to OEM
Manufacturing business insurance covers the full operating chain — product liability, property, business income, equipment breakdown, cyber, and inbound/outbound cargo — with WC by class code.
At a Glance
- Primary line
- Product liability
- BI / EE
- 12-month BI standard
- Equipment breakdown
- Required by most lenders
- Cyber
- OT/IT exposure
Quick answer
Ellie Insurance Group is an independent business insurance agency (founded 2014, headquartered in Tampa, Florida) that shops 100+ carrier markets to place manufacturing insurance — product liability, property, business income, equipment breakdown, cyber, inbound/outbound cargo, and workers' compensation by class code — for light manufacturers, contract manufacturers, and OEMs. As an independent broker we compare real quotes side by side instead of locking you into one carrier. Start an Instant Quote and a licensed agent shops your operation for you.
Coverage
What a manufacturing program covers
- Product liability
Bodily injury / property damage from products sold or distributed.
- Property + business income
Building, contents, stock, and 12-month BI.
- Equipment breakdown
Production equipment, HVAC, refrigeration.
- Cargo (in/out)
Material in transit on owned and contract carriers.
- Cyber
OT compromise, ransomware, supplier breach.
- Workers' comp
By class code and payroll.
Common gaps
What it typically won't cover
- Product recall (separate policy)
- Contamination / impaired property (carve-back available)
- Pollution past sub-limit
- Patent infringement (IP policy)
Pricing
What drives manufacturing premium
Product line
Components for high-injury industries load.
Sales volume + distribution channel
DTC vs OEM vs distributor.
Property value + sprinklering
Sprinklered facilities preferred.
Loss history
Recalls or product claims drive rate.
Quote checklist
What we'll need to quote
Quote checklist
What we'll need to quote
- Products + sales volume
- Distribution channels
- Property values + sprinklering
- Headcount + payroll
- 5-year loss runs
- Equipment schedule
FAQ
Frequently Asked Questions
- If your products are sold to consumers or used in safety-critical applications, yes — recall is a separate policy with first-party expense coverage.
- Product liability pays for injuries caused by a defective product. Recall pays for the cost of pulling the product before injuries occur.
- Actual loss sustained for the period needed to restore operations, typically capped at 12 months.
- If your supply contract puts risk of loss on you in transit, yes.
Keep reading
Explore related coverage
Sources
Authoritative references
- OSHA — Law & Regulations (workplace safety)
- Insurance Information Institute — Small Business Insurance Basics
Coverage descriptions and regulatory figures on this page are general summaries reviewed against the references above and are not a statement of coverage, legal advice, or a guarantee of eligibility or price. Last reviewed . Requirements and policy terms change — always confirm current rules with the relevant agency and verify coverage against the actual policy and a licensed agent.
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Cost benchmarks
Workers' Compensation Insurance Cost: What Drives the Rate
Class codes, experience mods, and payroll caps explained — plus how to dispute an audit that's wrong.
Operations
Commercial Insurance Renewal Checklist
What to update with your agent 60 days before renewal — and how to make sure the market sees your operation cleanly.
Operations
Business Insurance Checklist: A 12-Point Annual Review
A 12-point checklist for a real annual review — not a quote shop.
Carrier access
Access to 100+ A-rated commercial markets
As an independent agency we shop 100+ admitted and surplus-lines carrier markets — so the carrier competes for your business, not the other way around.
+77 more
Next step
Ready to shop commercial coverage?
Talk to a commercial agent or run an instant quote online — same-day binding on most commercial submissions during business hours.