Manufacturing Insurance
Burley, Othello, Pasco, Ritzville

Manufacturing businesses face unique and complex risks that require specialized insurance solutions. From property damage and equipment breakdowns to supply chain disruptions and liability claims, the potential for financial loss is high. At Sloan-Leavitt Insurance, we provide tailored manufacturing insurance programs that address the full spectrum of risks, helping industrial businesses stay protected and operational—no matter what challenges arise.

What Is Manufacturing Insurance?

Manufacturing insurance is a category of commercial insurance designed to protect manufacturers from industry-specific risks. It typically combines several coverages into a single, comprehensive policy, tailored to a manufacturer’s products, processes, and property exposures.

Who Needs Manufacturing Insurance?

• Metal Fabricators
• Food and Beverage Processors
• Electronics and Machinery Manufacturers
• Plastics and Rubber Producers
• Chemical and Pharmaceutical Manufacturers
• Apparel and Textile Manufacturers
• Wood, Paper, and Furniture Makers
  

If your business transforms raw materials into finished products, manufacturing insurance is essential.

Core Coverages in Manufacturing Insurance

Commercial Property Insurance

Covers your buildings, machinery, raw materials, and finished goods from risks like fire, theft, explosion, or natural disasters. Includes coverage for:

• Production facilities and warehouses
• Office space and breakrooms
• Inventory and stock on hand
• Tools, molds, and specialized equipment

Optional Add-ons:

• Equipment Breakdown
• Flood & Earthquake Coverage
• Business Interruption

General Liability Insurance

Protects against third-party claims of bodily injury, property damage, or personal injury arising out of your business operations.

Product Liability Insurance

Covers lawsuits from product defects, injuries or property damage caused by your product, and legal defense costs.

Workers’ Compensation Insurance

Covers medical costs, lost wages, and rehabilitation expenses for injured employees.

Equipment Breakdown Insurance

Covers mechanical/electrical failure, boiler issues, repair costs, and lost income during downtime.

Commercial Auto Insurance

Covers liability, damage, and cargo/tools in transit for company vehicles.

Business Interruption Insurance

Covers lost income, fixed expenses, and relocation costs if operations are halted by a covered event.

Cyber Liability Insurance

Covers data breach response, ransomware, regulatory fines, and cyber-related losses.

Specialized Coverage Options

• Manufacturers’ Errors & Omissions Insurance
• Supply Chain Insurance
• Inland Marine Insurance
• Environmental Liability

Benefits of a Tailored Manufacturing Insurance Program

• Customized Protection
• Regulatory Compliance
• Claims Expertise
• Risk Control Services
• Peace of Mind

Industries We Serve

Industry	Common Risks Covered
Metal Fabrication	Welding fires, machine breakdowns
Food Processing	Contamination, spoilage, FDA recalls
Chemical Manufacturing	Explosions, toxic leaks, environmental cleanup
Plastics & Injection Molding	Machinery damage, product liability
Pharmaceutical	Product recalls, regulatory compliance
Wood & Furniture Making	Fire, dust explosions, employee injury
Electronics	Supply chain disruption, component failure

Why Choose Us?

• Decades of manufacturing insurance experience
• Access to top-rated national and regional carriers
• In-depth policy reviews and gap analysis
• Dedicated risk managers for complex operations
• Scalable programs for startups to multi-site enterprises

Get a Quote Today

Protect your production line, reputation, and bottom line. Speak with our commercial insurance specialists to get a personalized manufacturing insurance quote today. We’re here to keep your operations running—even when the unexpected hits.

Contact us to learn more or schedule a risk consultation.

Frequently Asked Questions

• What manufacturing insurance coverage do I need?

  The exact coverage you choose will vary because your company and its risks are unique. However, there are some core policies we strongly recommend for all manufacturing company owners.

  • Workers Compensation
  • Commercial Auto
  • Professional Liability
  • Business Owners Policy (BOP)

  The coverages listed above don’t cover everything. Depending on your manufacturing company, you may also benefit from the following policies:

  • Earthquake
  • Umbrella
  • Equipment Breakdown
  • Manufacturers Errors and Omissions
  • Product Recall and Replacement
• Do you or your employees act as specialists providing custom design and manufacturing services that may cause a client financial damage through any errors or omissions?
  If so, then you should maintain a professional liability policy. You work hard to perform your duties and responsibilities to the best of your ability, but you may face a lawsuit if your customer isn't satisfied. Protect your employees, your business, and yourself with a professional liability policy.
• What affects manufacturing insurance premiums?
  You run a unique company with unique factors and risks. Each factor and risk play a part in determining your company's manufacturing insurance premiums. Some of these risks and factors include: Specific Industry Your Recommended Insurance Limits Use of Heavy-Duty Machinery Presence of Hazardous Materials Vehicles Number of Employees Claim History As professionals in manufacturing insurance, we make it our business to know you and your concerns. We spend time learning and listening to better serve you, our clients. You've worked hard to build your company. The next step is to protect it. We'll assess what your risks are and help you tailor an insurance policy for your company. We'd love to chat with you. Contact us today!
• What is manufacturing insurance?
  The term manufacturing insurance covers a wide range of policies available for purchase by manufacturing companies. There isn't one, all-encompassing insurance policy for manufacturing that will cover your entire range of risks. However, there is an upside. Because your company is unique, you can tailor coverage to best fit your company's needs. You can find coverage options for all types of manufacturing. Some examples of different manufacturers include: Bottling and Canning Clothing Manufacturers Textile Creators Electronics Machinery Forging Casting Meat Packing Plant Printers Furniture Manufacturers
• Who needs manufacturing insurance?

  Anybody with a manufacturing company. Consider doing a brief self-evaluation by asking yourself the following questions:

  • Does your company have the finances to survive a mass product recall?
  • Can your manufacturing facility afford excess downtime if a natural disaster happens?
  • Will you be able to repair or replace heavy machinery if it breaks down?

  If your answer to any of these questions is yes, it is strongly recommended that you protect yourself and your business with manufacturing insurance.