Commercial Property
Your plant, machinery, and stock.
Coverage across the whole chain — the plant, the workforce, the product, and the supply chain that feeds it.
Manufacturers carry exposure across the entire chain: plant and equipment, the workforce, the product once it leaves the floor, and the suppliers that feed production. A defect or a plant shutdown can halt revenue and trigger recall and liability claims.
We build manufacturing programs that protect production capacity, the products you stand behind, and the supply-chain dependencies that can stop you cold.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Your plant, machinery, and stock.
Bodily injury and property damage arising from your products.
Failure of the production machinery your output depends on.
Lost income from your shutdown — or a key supplier's or customer's.
Machinery and material-handling injuries on the floor.
The cost to pull, replace, and communicate about a defective product — typically a separate policy from general liability.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
Claims can surface long after a sale. Confirm limits are adequate and the coverage isn't excluded.
A supplier or major customer shutdown can stop your production — standard BI may not respond without it.
Specialized machinery can take months to replace. Match the indemnity period to real replacement time.
Usually excluded from general liability. If you make consumer or component goods, buy it separately.
Values change constantly — reporting forms keep you from being penalized for underinsurance.
Selling abroad or to large buyers raises additional-insured, jurisdiction, and limit requirements.
Commercial property, product liability, equipment breakdown, business and contingent business interruption, and workers' compensation are core, often with product recall.
Generally no. Recall costs are usually excluded from general liability and require a separate product recall policy.
It covers lost income when a key supplier or customer suffers a shutdown that halts your production — something standard business interruption may not cover.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.