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Manufacturing Insurance

Customized coverage. Optimized operations.

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Spotlight on: Insurance for Manufacturers

Protect your products from design to delivery.

In a world of increasing globalization and complex supply chains, the importance of manufacturing insurance cannot be overstated. Comprehensive manufacturing coverage is designed to address unique industry risks, from equipment breakdowns to labor shortages to cyber threats, without losing sight of the core goal: uninterrupted excellence in product manufacturing.

With the right insurance that’s tailored to your manufacturing business, you can spend more time producing high-quality products and less time worrying about unexpected risks and challenges.

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What is manufacturing insurance?

At the heart of manufacturing insurance lies a suite of individual insurance coverages. While insurance costs and needs will depend on the specific exposures and requirements of your business, manufacturer insurance offers a layer of protection in an industry with heightened levels of risk.

A manufacturing insurance package may include policies like general liability, commercial auto, property and equipment breakdown, along with more specialized coverages like product liability insurance.

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Types of Manufacturing Businesses We Insure

Higginbotham’s manufacturing insurance caters to a broad spectrum of companies, including businesses like:

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Plastics and Rubber Goods Manufacturers

  • Plastic containers and bottles
  • Injection molding services
  • Packaging materials
  • Fabricated and molded plastic products
  • Tires and rubber products

Electrical Equipment and Electronics Manufacturers

  • Electronics and computers
  • Commercial lighting
  • Solar panels
  • Electrical cables and wiring
  • Generators and transformers
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Food and Beverage Manufacturers

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Textiles and Apparel Manufacturers

  • Clothing and accessories
  • Cords, ropes and twine
  • Fabrics, textiles and cloth
  • Upholstery and embroidery services
  • Mattresses
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Construction Equipment and Building Materials Manufacturers

  • Glass, cement and concrete
  • Construction equipment and machinery
  • Infrastructure materials for roads and bridges
  • Air conditioning equipment
Industrial Worker Welding Steel

Equipment and Machinery Manufacturers

  • Automotive and aerospace equipment
  • Fabrication and welding services
  • Farm equipment and machinery
  • Motors and auto parts
  • Machine shops
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Pharmaceuticals and Chemicals Manufacturers


Metal, Paper and Wood Products Manufacturers

  • Wood products
  • Cardboard and paper products
  • Furniture and cabinets
  • Stamped and sheet metal products
  • Carpentry and metalworking services

Why Higginbotham?

At Higginbotham, our services go beyond just securing coverage. Our approach to insurance involves understanding your needs and providing solutions to help effectively address them. And, as one of the largest independent insurance brokers in the nation, our deep carrier relationships enable us to get things accomplished for your manufacturing business that others can’t.

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Essential Manufacturing Insurance Coverages

For businesses in the manufacturing industry, securing key insurance coverages is imperative. These individual coverages may include:

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Commercial General Liability Insurance

Commercial general liability insurance (CGL) is a fundamental coverage for manufacturing businesses, as it can provide protection against claims of bodily injury, property damage and personal injury caused by your business or your employees. This insurance coverage can help shield your business from financial losses incurred as a result of such claims and offer greater peace of mind in the face of challenges.

Equipment Breakdown Insurance

Equipment breakdown insurance is a vital coverage for manufacturers, as it helps safeguard you from the financial repercussions of repairs or replacements of malfunctioning machinery and equipment. This form of business insurance coverage is designed to keep your manufacturing business operating, even in the face of unexpected equipment issues.

Commercial Property Coverage

Commercial property coverage offers protection for various owned or leased physical assets like buildings, equipment and machinery, inventory and furniture. This coverage helps ensure that your business is able to financially recover and continue operations in the event of property damage or loss.

Product Liability Insurance

Product liability insurance is an important coverage for businesses that manufacture or sell products, as it helps protect you from claims alleging that your products have caused harm or damage. This type of insurance helps protect manufacturing companies from potential legal action and financial losses by helping offset costs associated with product-related claims, lawsuits and damages brought against the manufacturer or seller.

Workers’ Compensation

Workers’ compensation insurance is a vital coverage for businesses with employees. Workers’ comp offers financial assistance for eligible expenses for employees who sustain injuries while working. Eligible expenses may include medical bills, ongoing care, rehabilitation programs and lost wages. But, workers’ compensation is not just a means of protecting your business and your employees: in many states, it’s a legal requirement.

Manufacturers E&O Insurance

Errors & omissions (E&O) insurance is a specialized form of professional liability coverage that can offer protection for professionals who provide advice or services, should an error occur during the course of their services. E&O coverage can help shield businesses and employees from allegations of negligent or incomplete services, offering financial support in the face of potential legal challenges and claims.

Business Interruption Insurance

Business interruption insurance is an essential coverage for manufacturing businesses, providing financial assistance for lost business income resulting from an insured property loss. This insurance can help your business cover the costs associated with core business functions like:

  • Keeping the business operational during the repair or rebuild process
  • Continuing to serve customers
  • Maintaining operations without major disruptions

Inland Marine Insurance

Inland marine insurance is another crucial form of insurance for manufacturers, especially those that transport goods or have equipment that frequently moves from one location to another. This type of insurance is designed to protect products, materials and equipment while in transit over land, such as by truck or train, or while temporarily stored by a third party. Particularly for manufacturing businesses, inland marine insurance can help fill coverage gaps in a traditional commercial property insurance policy.

The Higginbotham Difference

At Higginbotham, we don’t stop adding value to your business after we’ve placed your coverage. Through our Day Two Services®, we continue to stand by your side day after day. These proprietary services include risk management and technology, certificate validation, safety and loss control, contract review and claims advocacy. Our commitment to these ongoing services exemplifies our dedication to the long-term success and resilience of your manufacturing business.

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The Power of Having an Insurance and Risk Management Partner

Learn why Zoeller Pump Company chooses to partner with Higginbotham for its insurance and risk management needs. Through a strategic partnership that goes beyond the conventional client-vender relationship, Higginbotham is helping Zoeller drive success.

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Managing Risk and Improving Safety in Manufacturing

Manufacturers face a range of unique risks, such as extreme weather events, supply chain disruptions and other unforeseen occurrences. These risks can cause machinery breakdown, infrastructure damage and a stoppage of manufacturing operations, as well as increased costs, decreased revenue and potentially insolvency. Managing risk and improving safety in the manufacturing industry is critical to minimizing accidents, injuries and other losses such as these. But, it can be difficult to know where to start when it comes to improving your manufacturing business’s loss control and risk management strategy.

That’s where Higginbotham comes in. When you choose Higginbotham as your insurance broker, you’re gaining more than just insurance coverage; you’re gaining a risk management partner. Our team offers a range of safety and loss control programs that are designed to reduce risks and enhance safety in your manufacturing environment. These services include:

  • Ergonomic training
  • Machine safeguarding
  • Product safety and product recall planning
  • Assembly line design and consultation
  • Experience modification review
  • Supply chain protection
  • Disaster recovery planning
  • Business continuity
  • Contractual risk transfer
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Work with a seasoned team with a vested interest in your success.

At Higginbotham, our know-how knows. We know the business of manufacturing has many moving parts that can threaten your company. That’s why our manufacturing risk specialists have the knowledge and experience to help you prevent and minimize loss, not just cover it.

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