# Warehouse & Manufacturing Liability Insurance | Supersure

> Supersure helps manufacturers find the right coverage — product liability, workers' comp, equipment breakdown, and more. Protect your operations.

Canonical: https://www.supersure.com/business-insurance/manufacturing-insurance

Manufacturing businesses face complex risk exposures. From production equipment and supply chain dependencies to product liability and employee injuries, the right business insurance plays a critical role in risk management and business continuity.

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Manufacturing business insurance refers to a combination of policies often used to help manufacturers address financial losses related to property damage, equipment breakdown, employee injuries, product liability, and operational disruptions.

Manufacturing insurance is typically structured as a program tailored to the products made, production processes, facility characteristics, and distribution channels. Coverage terms and eligibility are determined by insurance carriers and may vary by state and industry segment.

Manufacturing operations involve complex processes, specialized equipment, production facilities, and employee-driven work that can lead to product liability claims, property damage, equipment failure, and workplace injuries.

Manufacturing insurance helps businesses address these risks by combining coverage types designed to support operational continuity, cover physical assets, and manage liability throughout the production and distribution lifecycle.

In addition, coverage is often structured to help meet contractual insurance requirements with customers, suppliers, or distributors. In many states, coverages like workers compensation may also be legally required for businesses with employees, though requirements vary by jurisdiction.

Manufacturing businesses face risks ranging from employee injuries and equipment breakdowns to product-related claims and operational disruptions. Manufacturing insurance often combines multiple policies designed to work together to help address these exposures.

- **General Liability**
- **Product Liability**
- **Workers’ Compensation**
- **Commercial Property**
- **Equipment Breakdown**
- **Business Interruption**

Coverage examples are general and are subject to policy terms, conditions, limitations, and exclusions; availability varies by insurer and state.

Most insurance solutions are built around models that are outdated, fragmented, reactive, and hard to manage. Supersure was built differently, combining smart technology with real expertise to give businesses clearer coverage, less administrative burden, and insurance solutions that adapt as businesses evolve.

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Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about manufacturing coverage.

### How do I get manufacturing insurance online?

Manufacturers can begin the shopping process online through platforms like Supersure by providing information about your operations, products, facilities, and coverage needs. Depending on the state and type of manufacturing, Supersure may then present quotes from one or more insurance carriers, subject to insurer availability and underwriting. Once coverage is selected and approved through carrier underwriting, policy documents and certificates of insurance are issued by the carrier. Coverage terms, pricing, and availability are determined by insurance carriers and are subject to underwriting approval and applicable state regulations.

### How much does manufacturing insurance cost?

The cost of manufacturing insurance can vary widely based on factors such as the type of products made, production processes, facility size, location, payroll, claims history, and coverage selections. For example, insurance costs for a small job shop may differ significantly from those of a large manufacturing facility.

### What's the difference between general liability and product liability?

General liability usually addresses third-party bodily injury and property damage arising from business operations and premises, and it often includes products-completed operations coverage. Product liability generally refers to claims alleging a product caused injury or damage. Coverage structure and availability vary by insurer and policy form.

### Does property insurance cover equipment breakdown?

Standard property policies typically exclude mechanical and electrical breakdown. Separate equipment breakdown coverage may be necessary to address certain machinery failures. It may help cover repair costs, and where included, business interruption resulting from equipment breakdown.

### What if my supplier's problems shut down my production?

Standard business interruption coverage typically requires direct physical loss or damage to your insured property from a covered cause. Contingent business interruption coverage may address certain losses when a key supplier or customer experiences covered property damage that disrupts your operations, subject to policy terms. Understanding coverage triggers and limitations helps determine if additional supply chain coverage might be appropriate.

### How much product liability coverage do manufacturers need?

Coverage needs depend on products manufactured, distribution scope, and potential claim severity. Manufacturers producing consumer products, safety-critical components, or selling nationally may choose higher limits than those making industrial components for limited markets. Evaluating potential loss scenarios and contract requirements can help determine appropriate limits.

Talk to our team today and get started with your Supersure business insurance coverage.

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