We write all types of manufacturing risks across multiple industries. Our team of experts has generations of experience working with manufacturers and our insurance partners to find the right coverage for the right price.
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What is Manufacturing Insurance?

Manufacturing risks require several different policies to properly cover their unique risk. You will often see property, general liability insurance, professional liability and a fleet with the majority of Manufacturers we insure. 

Manufacturing companies face unique challenges, such as supply chain issues and production loss because of equipment breakdowns. As product and services-based businesses, they also have to consider product liability coverage, which is often the most important aspect of insurance for manufacturers.

That’s why our team of expert manufacturing insurance brokers offer tailored products to help you get the exact coverage you need.

What Does Manufacturing Insurance Cover?

Manufacturing insurance provides protection in several areas, including your equipment, loss of business income, and bodily injury or property damage. Available coverage in our packages includes:

  • Buildings
  • Business interruption to cover loss of income 
  • Breakdown protection for all machinery including: air conditioners, electrical panels, and compressors
  • Contents on replacement cost basis
  • Crime, covering loss or theft of money or property by employees
  • Equipment (including CNC and other specialty pieces)
  • Fleet coverage for vehicles for sales and delivery
  • Stock or inventory
  • Primary liability up to $20,000,000 limits
  • Umbrella liability up to $50,000,000 over and above primary liability

Our insurance products for manufacturers can also include product liability coverage. As people buy and use your products, there is always a chance that you can unintentionally cause someone harm. 

Regardless of the manufacturing industry you operate in, we are committed to ensuring your policy meets your requirements and includes the necessary coverage for your business to operate efficiently.

Does Your Company Need Manufacturing Insurance?

Any business owner whose primary source of revenue relies on making products or goods should strongly consider manufacturing insurance. This includes companies such as:

  • Bottling or canning facilities
  • Clothing or accessories manufacturers
  • Information and communications technologies
  • Food mills, meat packers, or refineries
  • Publishers and printers
  • Tool or building material manufacturers
  • Wood products and furniture

The risks associated with manufacturing differ from those of other businesses, which makes your insurance needs unique. We work with a wide range of industries, and our manufacturing insurance brokers are dedicated to finding the right solution for your business.

How Much Does Manufacturing Insurance Cost?

Every policy is different, whether you’re based in Ontario or have locations throughout Canada. The cost of your insurance depends on:

  • Your industry and risks associated with it
  • Location of your business
  • Insurance claims history
  • Years in business
  • Your risk management procedures
  • Number of employees
  • Annual revenue
  • Coverage limits

To get an accurate quote, it's important to speak with one of our qualified brokers to understand your needs. 
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Frequently Asked Questions

What is the difference between manufacturers and business insurance?

Manufacturing insurance is specifically tailored to businesses with manufacturing operations. Business insurance is an umbrella term that includes various types of insurance policies a business might carry, but may not specifically include manufacturing concerns such as product liability.

Is manufacturers insurance required?

There is no legal requirement for you to have manufacturers insurance in Ontario, as is the case with most business insurance in Canada. However, other parties you deal with in the course of your manufacturing operations may require you to provide proof of insurance. This includes suppliers, landlords, lenders, logistics companies, and even end users.

Does my industry affect the cost of my insurance policy?

The short answer is yes, you may have higher rates depending on the industry you’re in. High-risk industries such as aviation or architecture may have higher rates than a publisher would.

The end use of the products you manufacture can also influence your rates. For example, if you manufacture wine or beer, you may see higher rates than someone who only produces sodas.

Sutherland Insurance is dedicated to customizing insurance solutions that meet the specific requirements of your organization, ensuring affordable coverage no matter what your needs are.