Manufacturing Insurance
Comprehensive manufacturing coverage that protects your property and safeguards against guest-related incidents, giving you the peace of mind to focus on production while knowing your facility is secured.
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We understand manufacturing's complex risks, providing expert coverage tailored to your unique operations.
With decades of specialized experience protecting manufacturers, our expert advisors bring deep understanding of production, equipment, and operational risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against supply chain disruptions, equipment breakdowns, and product liability exposures while anticipating industry safety requirements. Our commitment to ongoing support ensures your manufacturing operation maintains comprehensive protection as your production capabilities and market reach expand.
Our certified insurance specialists work with manufacturing operations of all sizes, from small local producers to large-scale industrial facilities. Through ongoing analysis of OSHA requirements, quality control standards, and operational risk factors, we maintain a forward-looking perspective on industry challenges. This strategic approach ensures comprehensive coverage against equipment breakdown, product liability claims, and supply chain disruptions.
We go beyond standard insurance coverage to provide comprehensive protection tailored to your manufacturing operations. Our policies cover everything from equipment breakdown and product liability to business interruption and supply chain disruption, ensuring no aspect of your manufacturing facility remains exposed to risk.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Physical asset coveragesafeguards manufacturing equipment, production machinery, raw materials inventory, and finished goods against damage or destruction.
• Building structure protectionincludes manufacturing facilities, warehouses, loading docks, and attached offices against natural disasters and accidents.
• Business interruption coveragecompensates for lost income, ongoing expenses, and temporary relocation costs during facility repairs or equipment replacement.
• Content protection insurancecovers office equipment, computer systems, testing facilities, and specialized tools used in manufacturing operations.
• Product liability protectioncovers claims arising from product defects, safety issues, and design flaws that cause injury or property damage.
• General liability coverageprotects against third-party bodily injury, property damage, and advertising injury claims on manufacturing premises.
• Professional liability insurancecovers consulting services, product design recommendations, and technical guidance provided to manufacturing clients.
• Environmental liability protectionaddresses pollution incidents, chemical spills, and contamination events affecting surrounding properties or natural resources.
• Workplace injury coverageincludes medical expenses, rehabilitation costs, and lost wages for employees injured during manufacturing operations.
• Occupational illness protectioncovers long-term health conditions, repetitive stress injuries, and exposure-related illnesses in manufacturing environments.
• Safety equipment failureinsurance addresses incidents involving malfunctioning protective gear, machine guards, and emergency shutdown systems.
• Employee compensation protectioncovers disability benefits, death benefits, and ongoing care costs for manufacturing-related accidents or illnesses.
• Transportation and logisticsprotection covers damage during shipping, storage complications, and delivery delays for raw materials.
• Supplier failure insuranceprovides coverage for production delays, alternative sourcing costs, and contract penalties from supplier disruptions.
• Inventory protection coveragesafeguards against spoilage, contamination, and damage to stored materials during manufacturing processes.
• Equipment breakdown protectioncovers mechanical failure, electrical malfunctions, and computer system breakdowns affecting production schedules.
On average, Manufacturing Insurance costs around $3,500 annually; however, individual premiums vary based on several factors:
Manufacturing facilities with high-temperature processes or dangerous machinery face increased premiums compared to facilities with automated, safer production systems.
Companies with documented workplace incidents and OSHA violations experience higher premiums than manufacturers maintaining strong safety compliance records.
Factories storing flammable materials or hazardous chemicals require higher coverage rates compared to facilities handling non-volatile raw materials.
Older manufacturing equipment or poorly maintained machinery leads to higher premiums due to increased breakdown and accident risks.
Manufacturers of consumer safety products or medical equipment face higher premiums due to increased potential for costly liability claims.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Manufacturing insurance typically covers breakdowns of critical production equipment due to mechanical failure, operator error, or power surges. Coverage extends to repair costs, replacement parts, and associated business interruption losses. However, wear and tear, improper maintenance, or intentional damage are usually excluded. Regular equipment maintenance records, operator training documentation, and updated inventory lists are essential for claim approval. Implementing preventive maintenance schedules and safety protocols helps ensure continuous coverage eligibility.
Standard manufacturing policies include product liability coverage for third-party claims and recall expenses, subject to policy limits. Coverage encompasses legal defense costs, settlement payments, and expenses related to product withdrawals from the market. Exclusions may apply for intentional negligence or known defects before distribution. Maintaining detailed quality control records, batch tracking systems, and documented safety procedures is crucial. Regular policy reviews ensure coverage aligns with current production volumes and risk exposures.
Manufacturing insurance covers inventory at various production stages, including raw materials and finished products in storage facilities. Coverage includes damage from fire, theft, natural disasters, and other specified perils. Policy limits should reflect peak inventory values and seasonal fluctuations. Proper inventory management systems, security measures, and storage condition monitoring are required for coverage. Regular inventory audits and updated valuation reports help ensure adequate protection levels match actual stock values.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
