Manufacturing Insurance
Whether you design it, build it, or ship it — we protect your business from production-related risks.
- Meet National Compliance Standards – Coverage that aligns with requirements in all 50 states
- Defend Against Defect Claims – Protection from manufacturing errors and product-related injuries
- Scale with Confidence – Grow your operation with support throughout the production lifecycle
Manufacturing Insurance
Whether you design it, build it, or ship it — we protect your business from production-related risks.
- Meet National Compliance Standards – Coverage that aligns with requirements in all 50 states
- Defend Against Defect Claims – Protection from manufacturing errors and product-related injuries
- Scale with Confidence – Grow your operation with support throughout the production lifecycle
What is Manufacturing Insurance?
Manufacturing insurance is designed to protect your business from the hefty expenses of liability claims. It can cover costly claims tied to injuries, damages, or defects — including issues with products you design, label, create, or assemble.
Manufacturing insurance helps protect the business you’re building, whether you’re crafting products by hand or running a full production line. Instead of worrying about what could go wrong, you can focus on getting your product out the door and into the world.
Who Needs Manufacturing Insurance?
If your company manufactures physical products, this coverage is crucial for protecting your business. The top manufacturing industries we cover include:
Why Do I Need Manufacturers Insurance?
As a manufacturer, you’re on the front lines of product responsibility. Defects can occur even with rigorous quality control. You can be held liable for injuries or damages caused by your products, regardless of fault — but you don’t have to go it alone.
Real-life risks, covered.
Retailer requirements
A store won’t stock your products without proof of liability insurance. Having coverage means you’re always ready to meet vendor requirements and keep your products on shelves.
Product malfunction
A customer is injured by a product you made. Your policy helps cover legal defense, medical costs, and damages.
Labeling error
Incorrect usage instructions lead to an allergic reaction. Insurance helps cover treatment costs and protects your brand name.
Contaminated packaging
A production issue triggers a recall. Product recall insurance can help cover related costs, legal claims, and third-party damages.
A single lawsuit could disrupt your operations, drain your savings, and hurt your reputation. The right insurance helps you stay protected, meet vendor compliance requirements, and keep your products moving.
How Much Does Manufacturing Insurance Cost?
On average, the cost of manufacturing insurance ranges from $700 to $3,000 per year for small to mid-sized manufacturers. Your cost will depend on your business’:
- Annual revenue
- Level of risk
- Product types
- Claims history
- Coverage limits needed
- Additional coverages
To get an accurate quote, our agents assess what you make, how you make it, and who uses it. The good news? The right policy pays for itself the moment something goes wrong.
Manufacturers Insurance Coverage for Small Businesses
With Insurance Canopy, manufacturers insurance protects you against accidents and product-related claims. It includes both general and product liability insurance, with up to $1 million in coverage per claim (occurrence) and $2 million total per policy year (aggregate).
Need more protection? Licensed agents are ready to help you customize your policy with higher limits and any additional coverage your business needs. Our customer support is rated nearly 5 stars — they just want to help you get the best plan in place for your business!
Included
General Liability Insurance
General Liability Insurance can cover third-party injury and property damage claims that happen on your premises or as a result of your business operations. If a contractor gets hurt at your facility or while handling your products, this coverage helps pay for medical bills, legal costs, and more.
Products & Completed Operations Insurance
Product Liability Insurance has your back if something goes wrong with what you make, even after it’s left your hands. It helps cover legal fees, medical bills, and repair costs if a product you manufactured causes harm or damage. Most claims we see involve things like manufacturing defects, design issues, or missing labels and warnings.
Recommended Add-ons
Product Recall Insurance
Product Recall Insurance helps you act fast if something needs to be pulled from the market. If you discover a product may cause harm, this insurance helps with notifying customers, shipping returns, disposal — even crisis management.
Commercial Property Insurance
Commercial Property Insurance protects the space and stuff you rely on to keep production moving. It can pay for damage or loss to your building, tools, equipment, raw materials, and finished products, whether you own or lease your workspace. From burst pipes to broken machines, this policy helps you bounce back fast.
Workers Compensation Coverage
Workers Compensation Insurance helps take care of your team if someone gets hurt on the job. It covers things like medical bills, lost wages, and recovery costs — whether someone on your team has back strain from lifting or hearing loss from noisy equipment. It also helps protect your business from lawsuits.
Plus, in most states, workers comp is legally required if your business has employees.
Inland Marine Insurance
Inland Marine Insurance helps protect your tools, equipment, and products while they’re on the move or used away from your main location. Whether you’re shipping parts to a client, working off-site, or hauling equipment like mobile tools or storage units, this coverage helps protect what your regular property policy might not.
Cyber Liability Coverage
Cyber Liability Insurance helps cover the fallout from cyberattacks, data breaches, and other digital threats. If your network is hacked or customer info gets stolen, it can help pay for things like legal fees, customer notifications, credit monitoring, and PR efforts to protect your brand.
Commercial Auto Insurance
Commercial Auto Insurance helps protect vehicles your business owns or uses, including company trucks, delivery vans, or cars. It covers repairs, medical bills, and legal costs if there’s an accident. It can also help if the vehicle is stolen or vandalized.
Note: If you transport goods or equipment, your state might require you to have this coverage.
Hired & Non-Owned Auto Insurance
Hired and non-hired auto insurance covers vehicles your business uses but doesn’t own, like an employee’s car used for deliveries or a rented van for transporting equipment. If there’s an accident while using one of these vehicles for work, this coverage helps pay for property damage, medical bills, or legal costs.
Errors & Omissions Insurance (E&O)
Manufacturers E&O Insurance protects your business if a mistake in your product design, advice, or service causes a client to lose money. If your product doesn’t perform as promised or there’s an oversight in the specs that leads to costly issues, this coverage helps pay for legal defense and settlement costs.
It’s especially important for manufacturers who provide custom work, technical designs, or professional recommendations.
Commercial Surety Bonds
Commercial Surety Bonds act like a promise that you’ll follow through on contracts or meet required regulations. If something goes wrong, it protects the other party and covers their losses. In manufacturing, surety bonds are often required to show you’re dependable and financially sound.
Amendment of Coverage Territory (Worldwide Coverage) Endorsement
The Amendment of Coverage Territory endorsement extends your coverage to “anywhere in the world” to cover claims that happen outside the U.S. If you sell products internationally or your goods end up overseas, this endorsement can protect your business from lawsuits that come from incidents that happen abroad.
It’s especially helpful for manufacturers with international customers, suppliers, or distributors.
Primary & Non-Contributory Endorsement
The Primary & Non-Contributory endorsement ensures that your insurance policy kicks in first to cover a claim, and that it pays out before anyone else’s (like a client’s or contractor’s policy). It’s often required in contracts when you’re working with other businesses that want to make sure your policy covers any liability before theirs does.
Waiver of Subrogation Endorsement
A Waiver of Subrogation prevents your insurance company from going after a third party (like a client, landlord, or contractor) to recover costs after a claim is paid. It’s commonly requested in contracts to keep working relationships smooth, even if someone else may have contributed to the issue.
30-Day Cancellation Notice Endorsement
A 30-Day Cancellation Notice notifies a third party, usually an additional insured, that your policy is going to be canceled within 30 days. It’s often required in agreements or lease contracts as a heads-up to other parties who rely on your insurance being active.
135,000+ Businesses Trust Insurance Canopy
Whatever you build, bottle, bake, or brand, Insurance Canopy has your back!
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions About Manufacturing Insurance
What’s Included in a Standard Manufacturing Insurance Policy?
A standard manufacturing insurance policy typically includes general liability and product liability insurance to protect your business from third-party injuries, property damage, and product-related claims.
Optional add-ons can fill gaps in your coverage. Some to consider are:
- Commercial property insurance
- Tools and equipment (aka inland marine)
- Products-completed operations
- Manufacturer errors & omissions (E&O)
- Commercial surety bonds
- Commercial auto
- Product recall insurance
- Workers compensation
- Cyber liability
Do I Need Insurance if I Manufacture Products Under Another Company’s Label (White Label or Private Label)?
Yes, you still need insurance if you manufacture products under another company’s label, like a white label or private label. Liability often follows the supply chain, not just the brand name, so you can still be held legally responsible for defects, injuries, or damages caused by someone else’s products.
Insurance helps protect your business from costly lawsuits and recalls, whether your name is on the packaging or not.
Is My Inventory or Equipment Covered Under This Policy?
No, your inventory or equipment is not automatically covered under this policy. Our manufacturing insurance base policy includes product and general liability coverage. You need tools and equipment coverage (sometimes called inland marine insurance) or commercial property insurance to protect your valuable manufacturing equipment and business tools.
Will This Policy Satisfy My Retailer or Distributor’s Insurance Requirements?
In most cases, yes, this policy will satisfy your retailer or distributor’s insurance requirements! Insurance Canopy’s manufacturers liability policy is equipped with the coverage and limits to meet most insurance requirements.
However, some partners may require higher limits or additional coverages, like product recall or named additional insureds (which we offer), so it’s important to review their specific terms to ensure full compliance.
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