What Kind of Insurance Do I Need for a Manufacturing Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 2
- 2 min read
Starting a manufacturing business is a major investment — from equipment and facilities to employees and distribution. But one of the most overlooked (yet critical) steps is securing the right manufacturing insurance to protect your operations from unexpected risks.
At Wexford Insurance, we specialize in helping manufacturers find tailored insurance programs that match their unique needs. Whether you're launching a CNC machining shop, metal fabrication facility, or consumer goods production line, this guide will walk you through the essential types of insurance your manufacturing business needs.
Why Manufacturing Insurance Matters
Manufacturing businesses face a wide range of risks:
Equipment breakdowns
Workplace injuries
Property damage
Product liability claims
Cybersecurity threats
Without proper coverage, a single incident could disrupt operations or lead to costly lawsuits. That’s why working with a niche-focused agency like Wexford Insurance — one that understands the manufacturing and industrial sector — is key to building a resilient business.
Essential Types of Insurance for Manufacturing Businesses
Protects against third-party claims for bodily injury, property damage, and personal injury. This is foundational coverage for any manufacturer.
Example: If a visitor is injured on your factory floor, general liability covers legal and medical costs.
Covers your building, equipment, inventory, and other physical assets from fire, theft, vandalism, and natural disasters.
Tip: Make sure your policy includes business interruption coverage to protect against lost income during downtime.
Required in most states, this covers medical expenses and lost wages for employees injured on the job.
Why It Matters: Manufacturing environments often involve heavy machinery, making injury risks higher than in other industries.
Covers repair or replacement costs when essential machinery fails due to mechanical or electrical issues.
Example: If your CNC machine breaks down, this insurance helps you recover quickly without major financial loss.
Protects against claims related to defective products that cause injury or damage.
Important for: Manufacturers of consumer goods, automotive parts, electronics, and medical devices.
If your business owns vehicles for deliveries or transport, this insurance covers accidents, theft, and liability.
Manufacturers increasingly rely on connected systems and digital tools. Cyber insurance protects against data breaches, ransomware, and other cyber threats.
Why Work With Wexford Insurance?
At Wexford Insurance, we don’t offer one-size-fits-all policies. We work with top insurance carriers to build custom manufacturing insurance programs that fit your business model, production scale, and risk profile.
✅ Industry-specific expertise
✅ Access to niche insurance carriers
✅ Support for startups and growing manufacturers
✅ Fast quotes and responsive service
Final Thoughts
Insurance isn’t just a safety net — it’s a strategic tool that protects your investment, supports growth, and ensures business continuity. Whether you're just starting or scaling your manufacturing business, Wexford Insurance is here to help you navigate the complexities of coverage.
Ready to protect your manufacturing business?
👉 Contact Wexford Insurance today for a free consultation.