What We Cover
Manufacturing businesses face a complex web of risks: a defective product injures a consumer, an equipment malfunction shuts down production, a worker is hurt on the factory floor, or a fire destroys your facility and inventory. Each of these events can threaten your company’s survival without proper insurance.
Collin County Insurance Group provides manufacturing insurance as a featured product line, with access to specialty carriers who understand manufacturing risks and price them fairly.
A product liability lawsuit doesn’t just come from your end customers. Retailers, distributors, and other companies in your supply chain can all bring claims against you. And in Texas, product liability cases carry strict liability — meaning you can be held responsible even if you followed every safety standard. The right insurance program protects you at every level of the supply chain.
Who Needs Manufacturing Insurance
If your business produces, assembles, processes, or distributes physical products, you need manufacturing-specific coverage. We insure:
- General manufacturing — metal fabrication, plastics, woodworking, assembly operations
- Food and beverage manufacturing — processing, packaging, and distribution
- Chemical and industrial products — specialized product liability exposure
- Electronics and technology manufacturing — component and device production
- Distributors and wholesalers — product liability for goods you sell but don’t make
- Nutraceuticals and life sciences — supplements, health products, and pharmaceuticals
- Importers — product liability for goods manufactured overseas
What We Cover
Product Liability is the most critical coverage for any manufacturer. It protects you when a product you made, assembled, or distributed causes bodily injury or property damage. Claims can come from consumers, retailers, or other businesses in your supply chain — and defense costs alone can be devastating.
General Liability covers non-product-related risks: a visitor slips in your facility, your operations cause damage to neighboring property, or your advertising injures a competitor.
Commercial Property covers your building, manufacturing equipment, raw materials, work-in-progress inventory, and finished goods. Manufacturing-specific policies include coverage for equipment breakdown and spoilage.
Workers Compensation covers your production workers, warehouse staff, and office employees for on-the-job injuries. Manufacturing environments involve machinery, heavy materials, repetitive motion, and chemical exposure — making workers comp essential.
Business Interruption replaces lost income when a covered event forces you to halt production. For manufacturers, even a few days of downtime can mean missed contracts, lost customers, and cascading supply chain problems.
Equipment Breakdown covers repair or replacement costs when critical machinery fails — compressors, boilers, electrical panels, CNC machines, and production equipment.
Umbrella / Excess Liability extends your limits beyond the underlying policies. For manufacturers with significant product liability exposure, a $1M general liability policy often isn’t enough. An umbrella policy can add $2M–$10M in additional coverage at a fraction of the cost of increasing your primary limits.
Industries We Serve
Through our carrier partnerships with Combined Group, Philadelphia Insurance, and Johnson & Johnson MGA, we have specialty access for manufacturing classes that standard markets struggle with:
- Heavy manufacturing with high product liability exposure
- Food processing with contamination risk
- Chemical manufacturing and distribution
- Companies with adverse claims history
- New manufacturing ventures
- Importers with overseas supply chains
Why Choose Collin County Insurance Group
Manufacturing insurance requires an agent who understands both the operational risks and the product liability exposure. Carrier selection matters enormously — the wrong carrier can leave you with exclusions for your specific products or sub-limits that don’t match your actual exposure. We access specialty casualty markets through Great American, Combined Group, and Johnson & Johnson MGA to find carriers with real appetite for your manufacturing class.
We also help you structure your coverage to match your actual exposure. Many manufacturers overpay for property coverage while underinsuring their product liability — the risk that’s most likely to produce a catastrophic claim. We review your entire operation and build a program that puts your premium dollars where the real risk sits.
Ready to protect your manufacturing operation? Contact us for a free quote today.
