Manufacturers Insurance
Product Liability Insurance

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Insurance for Manufacturers

Available in all 50 states!

We want your manufacturing business to succeed. Even more, to thrive. Bankers Insurance is dedicated to this industry, with decades of experience providing manufacturers insurance packages. As an independent insurance agency, we bring a diverse supply chain of insurance companies so you receive unbiased quotes. Let us offer a no-obligation risk analysis so you understand your business’s exposures. Take advantage of our program’s tools and resources to build a solid, healthy company.

Manufacturers Insurance Program

Key Features

What makes us different.

  • Rapid Response: We assign a dedicated account manager to each client. You will receive their email address and a phone number that rings right on their desk. Your service is their top priority.
  • Claims Advocacy: We staff dedicated claims agents ready to assist each manufacturers insurance client should a claim occur. They are your advocate with the insurance company and will guide you through the process.
  • Risk Reviews: Your risk manager can offer a comprehensive risk analysis of your operations, identify risks, and advise regarding how best to mitigate them.
  • Purchasing Power: Our volume allows us to negotiate discounted rates. We are contracted with the major national and regional insurance companies that specialize in this industry. Use our purchasing power to your advantage.
  • Specialized Coverages: We offer protection unique to the risks of manufacturing such as seasonal stock increase, sales price valuation on inventory, recall expense and brand protection, transportation coverage, blanket contents, product liability insurance, and many more.
  • Business Tools and Services: We offer an entire suite of value-added business tools and services typically only available for large companies to all our manufacturers insurance clients at no cost. We can help you reduce claims, maintain with compliance, and increase profitability.
  • Compliance with contractual insurance requirements

Business Operations

A broad range of products and operations are acceptable

  • All manufacturers
  • Producers of small products to the largest industrial equipment
  • Manufacturers of generic products, branded under your client’s label
  • Import and export
  • Remanufacturing and Repair
  • From benign to the most risky product liability insurance exposures
  • All SIC codes, including:  food, textile, apparel, lumber and wood, furniture and fixtures, paper and allied, printing, publishing, chemicals, rubber, leather, stone, clay, glass, concrete, metal, fabricated metal products, industrial products and equipment, electronics, transportation, instrumentation, and all others.

We Offer

Our manufacturers insurance coverages, tailored to your needs

  • Buildings, Contents, Business Income
  • Product Liability Insurance
  • Product Recall
  • Reputation Repair Coverage
  • Inventory covered at selling price
  • General Liability
  • Commercial Auto
  • Workers Compensation
  • Employment Practices Liability Insurance
  • Employee Benefits Liability
  • Directors & Officers Liability
  • all Others

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Manufacturers Insurance Quote Request

Manufacturers Insurance Quote Request

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Multi-Carrier Quotes

To offer coverage and pricing options, we will contact you when additional questions arise.

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Quote, Manufacturers
List all products you manufacture and describe their intended usage. Include any ancillary services and business operations.
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Nuts and Bolts of Manufacturers Insurance.

We love manufacturing! It is a diverse, fascinating, foundation block of our economy. No two are the same, but all receive raw materials, apply improvements, and furnish a finished product. Let one of our manufacturing insurance agents offer a no-obligation risk analysis of your operations and advise how Bankers Insurance can assemble a solid insurance framework for you.

Manufacturers have the most broad-ranging insurance requirements of all business types. Property exposures are high with buildings, contents, equipment, materials, and inventory. Liability exposure, primarily the need for product liability insurance, can be a concern.  Most manufacturers have high workers compensation costs due to number of employees and the processes being performed by them.  Let Bankers Insurance demonstrate our manufacturers insurance expertise.

Manufacturers Insurance Highlights


manufacturers insurance property building contents
  • All buildings, warehouses, and storage facilities
  • Contents, business personal property
  • Racks and installed storage systems
  • Raw materials and stock
  • Inventory and finished product held for sale, valued at sales price
  • Manufacturing equipment (non-mobile)
  • Blanket coverage available
  • Business Income with Extra Expense, Actual Loss Sustained
  • Equipment breakdown, and business income associated with key equipment
  • Computer systems, computerized equipment, software, and expense of reconfiguration and data restoration.



Product Liability Insurance

Protection for even the toughest product liability insurance classes.

  • General Liability
  • Product Liability Insurance
  • Product Recall, including Brand / Reputation Repair
    • Expenses to conduct a product recall, including additional expenses that include the cost to replace the product recalled, the customer’s consequential loss of profits, and good faith advertising expenses.
  • Personal and Advertising Injury
  • Professional Liability / Errors & Omissions
  • Directors & Officers Liability
  • Employment Practices Liability Insurance
  • Employee Benefits Liability
  • Damage to rented premises
  • Broad form vendors protection
  • Blanket additional insured


Business Auto / Truck

manufacturers insurance business auto
  • Personal Passenger Type Vehicles
  • Vans
  • Trucks
  • Semi-Tractors and Trailers
  • Local delivery to long haul
  • Hired (rented) vehicle liability and physical damage
  • Non-owned (borrowed or employee-owned) vehicle liability
  • Lease / Loan gap
  • Rental reimbursement
  • Drive Other Car, for owners who have all insured vehicles on a business auto policy


Workers Compensation

manufacturers insurance workers compensation

Workers compensation insurance is one of a manufacturers’s largest expenses.  Reduce cost of goods sold and increase margin by controlling input costs.

  • Traditional guaranteed cost programs
  • High deductible programs
  • Retrospective rating plans (retro plans)
  • Self-insured plans
  • Risk-retention groups
  • Captives
  • Experience modification reviews
  • Worksite safety programs

Other Coverages and Options

manufacturers insurance other coverages
  • Cyber Liability / Data Breach
    • Manufacturers have significant risk in this area relating to employment records, buyer accounts, client credit information control, credit card usage, and media liability for advertising and website content.
  • Manufacturers errors & omissions
  • Printers errors & omissions
  • Product recall coverage
  • Management liability
  • Business income from dependent properties
  • Inland marine, including property in transit
  • Property off premises
  • Seasonal limits increase
  • Service interruption protection
  • Spoilage coverage
  • Utility service damage, direct and time element

Services for Manufacturers

We want your business to succeed. As such, we do much more than insurance. Bankers offers an entire menu of services for our clients, most at no cost. Management tools to help you run your business with heightened awareness. Human resources and benefits tools to hire and retain the best employees. Safety engineering to identify risk exposures, reduce the number of claims, and the impact of those claims. Review all of Bankers’ value-added client services. Let us help you build a stronger company.


  • Documented safety manuals and procedures
  • Thermographic infrared surveys
  • Complete risk surveys and reviews
  • OSHA 30-hour training
  • OSHA visit preparation guides
  • Driver and fleet safety programs
  • Driver screening and training programs
  • Toolbox talk guides
  • Premises liability reviews
  • Safety assessment and benchmarking tools
  • Supervisor accountability programs


  • Industry-specific employee manuals tailored to our client’s needs
  • Best practices assessment / gap analysis
  • Contractual liability consultation
  • Workers compensation experience modification analysis
  • Exposure reduction consultations
  • Product liability insurance reviews
  • Regulatory guidance
  • Sprinkler system evaluation and analysis

Further Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We don’t expect clients to be manufacturing insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of:

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