Manufacturing Insurance — Coverage, Cost & Requirements
Product liability, commercial property, and workers' comp for manufacturers.
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What Coverage Does Manufacturing Insurance Include?
Most manufacturing businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
Commercial Property
Commercial Property coverage tailored for manufacturing businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Equipment Breakdown
Covers mechanical or electrical failure of business equipment and loss of income during downtime.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Manufacturing Insurance Cost?
The cost of manufacturing insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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