Manufacturing Insurance
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Why Do I Need Manufacturing Insurance?
Whether it’s plastic materials, recyclable goods, or any other mass production of materials, you are really good at getting a large (or small) batch of item requests made efficiently and under deadlines. You know how important it is to make sure your manufacturing facility is super clean, safe, and following a specific procedure and schedule to do your best job.
Below are some of the most common types of insurance policies that manufacturers carry to stay protected.
What Type of Manufacturing Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
From
$25.83
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Manufacturing Insurance Cover?
Without the right insurance, one unexpected mishap can drain your profits. Here’s how manufacturing insurance can help protect you from these common risks.
Professional Liability Insurance for Manufacturers
Professional Liability insurance — also known as errors and omissions (E&O insurance) — provides coverage in the event a customer alleges negligence resulting from your professional services. Say a customer ordered a batch of plastic tumbler cups, and upon receiving the order, they allege the product’s design is clearly poorly done and may cause injury. Professional liability insurance may help cover the legal costs for dealing with those claims.
Professional liability insurance usually covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Copyright infringement
- And more
Professional liability insurance usually does not cover:
- Intentional negligence
- Bodily injury
- Property damage
- False advertising
- Patents and trade secrets
- And more
General Liability Insurance for Manufacturers
Let’s say that you have a client visiting your facility to see the production of their product in person. And on that visit, if they somehow accidentally injure themselves on your property due to liquid on the floor, coverage from your general liability policy may help cover their medical bills too.
General liability usually covers:
- Bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- Defense costs
- Supplemental payments
General liability insurance usually does not cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your own employees
- Known claims or potential claims
Learn more about General Liability Insurance.
Workers Compensation Insurance for Manufacturers
Do you have full-time employees or part-time help? If so, you may need workers compensation insurance. If someone who works for you gets hurt on the job, this coverage provides help with medical bills, lost wages, and any legal costs that relate to the injury.
Most states require any business with employees to have workers compensation insurance, so make sure you add it to your policy!
Learn more about workers compensation insurance.
How Much Does Manufacturer Insurance Cost?
Not sure how much you might pay for coverage as a manufacturer? While there’s no one answer for how much your policy will cost, your final premium will usually be determined by:
- The number of employees you have (including part-time and consultants)
- Your location
- Payroll
- Revenue
- And more
Want to find out how much your insurance policy might cost? Just click here to answer a few questions about your business.
Answers to More Manufacturing Insurance Coverage Questions
Each state makes its own business insurance laws, so your location determines your requirements. However, general liability insurance is a common condition for running a manufacturing business. Additionally, in most cases, you’ll need workers comp coverage if you have employees.
There’s no need to research your state’s laws before you start looking at insurance since our quote process considers your location. Simply answer a few questions, and we can let you know what requirements typically apply to you.
Our licensed agents can also answer any questions you may have.
In general, you can deduct your insurance premiums when filing your business’s taxes. But we’re not tax experts, so it’s a good idea to talk to a tax professional or an accountant if you have additional questions.
The amount of insurance coverage you may need will depend on a number of factors, including:
- Your location
- How long you’ve been in business
- Your experience in the industry
- Your payroll (aka the number of employees you have)
- Your annual revenue
- And more
Those bits of information are helpful for creating a customized insurance package that helps cover all of your needs!
If you’re thinking of buying business insurance, it’s helpful to have the following information on hand when requesting a quote:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Having this information at hand can make it easier to get a quote from one of our insurers in under 10 minutes.
Your business insurance coverage can be customized to cover you against the most common risks you face as a manufacturer.
For example, a bundled plan that includes general liability insurance and workers compensation (if you have employees) can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
So whether you need a bundled plan or you just want general liability coverage, Simply Business can help you find the coverage you need, at the price you can afford.
There’s no one set insurance cost for manufacturers, as policies are customized to your specific risks and needs. Your insurance premium is usually determined by:
- Your payroll
- Where you’re located
- The dog walking services you provide
- Annual revenue estimates
- And more
Want to see how much your business insurance coverage may cost? Answer a few questions about your business, and in just a few minutes, you could see policy options from the nation’s top insurers!
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Bunker83 LLC
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Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
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