Manufacturing businesses face a wide range of risks — from workplace injuries and equipment breakdowns to product liability claims and supply chain disruptions. Standard commercial insurance packages often fall short of the specialized coverage manufacturers need. At Midwest Insurance Partners, we understand the unique exposures of industrial and manufacturing operations and work to build custom insurance programs that protect your facility, equipment, employees, and products.
Whether you operate a small job shop or a large production facility, we shop multiple carriers to find the right coverage at a competitive price.
Coverage Types We Offer:
• General Liability — Covers bodily injury and property damage claims from third parties.
• Product Liability — Protects your business if a product you manufacture causes injury or property damage.
• Commercial Property — Covers your building, machinery, equipment, and inventory against fire, theft, and other covered losses.
• Equipment Breakdown — Covers the cost of repairing or replacing machinery and equipment that fails due to mechanical or electrical breakdown.
• Workers' Compensation — Required in most states; covers medical bills and lost wages for employees injured on the job.
• Commercial Auto — Covers vehicles used to transport products, materials, or employees.
• Inland Marine / Cargo — Covers products and materials while in transit between facilities or to customers.
• Business Interruption — Replaces lost income and covers ongoing expenses if your operations are halted by a covered loss.
• Umbrella / Excess Liability — Provides additional coverage above your primary liability limits for catastrophic claims.
• Environmental Liability — Covers costs associated with pollution and environmental cleanup for applicable operations.
Industries We Serve:
• Food & Beverage Manufacturers
• Metal Fabricators & Machine Shops
• Plastics & Rubber Manufacturers
• Wood Products & Furniture Manufacturers
• Chemical & Pharmaceutical Manufacturers
• Electronics & Technology Manufacturers
• Auto Parts & Component Manufacturers
• Printing & Packaging Companies
• Building Materials & Construction Products
• Custom & Contract Manufacturers
Please reach us at brian@thesturgillagency.com if you cannot find an answer to your question.
Yes — product liability insurance is essential for any business that manufactures, distributes, or sells physical goods. If a product you make causes bodily injury or property damage to a customer or third party, your business can be held liable for damages including medical bills, legal defense costs, and settlements. This applies whether the product is defective by design, manufacturing error, or labeling issue. Without product liability coverage, a single lawsuit could threaten your entire operation. Midwest Insurance Partners helps manufacturers find the right coverage limits based on the type of product, revenue, and distribution channels.
Yes — equipment breakdown coverage (also called boiler and machinery insurance) is specifically designed to cover the cost of repairing or replacing equipment that stops working due to mechanical or electrical failure. Standard commercial property insurance covers damage from external causes like fire or theft, but typically does NOT cover equipment that breaks down on its own. For manufacturers, unexpected machinery downtime can cause massive production losses. Equipment breakdown insurance covers repair or replacement costs, spoilage of materials, and business income lost during the downtime period. We help manufacturers find the right coverage for their specific equipment.
Yes — workers' compensation insurance is required in nearly all states for businesses with employees, and manufacturing is one of the most important industries for this coverage due to the higher risk of workplace injuries. Factory workers, machine operators, and warehouse staff face daily hazards including equipment accidents, repetitive motion injuries, chemical exposure, and lifting-related injuries. Workers' comp covers medical treatment, rehabilitation, and a portion of lost wages for injured employees. It also protects employers from lawsuits related to workplace injuries. Midwest Insurance Partners works with carriers who specialize in manufacturing risks to find competitive workers' comp rates.
Manufacturing insurance costs vary widely based on factors including industry type, annual revenue, number of employees, facility size, product types, and your claims history. A small machine shop might pay $3,000–$8,000 per year for basic GL and property coverage, while a mid-size manufacturer with workers' comp, product liability, and equipment breakdown coverage could pay $15,000–$50,000 or more annually. Higher-risk industries like chemical manufacturing or heavy equipment fabrication carry higher premiums. Midwest Insurance Partners works with multiple carriers who specialize in manufacturing to find you the most competitive rates. Contact us for a free quote.
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