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As a business specializing in manufactured goods, you understand the challenge of securing appropriate insurance coverage. We are a leading provider of insurance across multiple industries, and we understand your needs—whether you are a sporting goods, cosmetics or auto parts industry. And that’s just a small sample of the businesses we support.
When it comes to manufacturing, a company doesn’t want to waste time off the clock wondering whether their business is covered. With a broad range of coverages to protect every facet of the manufacturing process, a Kerr Insurance Brokers policy can help the production line keep running.
What should companies consider when choosing manufacturing insurance protection?
Whether looking for protection against environmental concerns, product recalls or breakdowns, Kerr Insurance Brokers in Fresno, CA offers many specialized manufacturing insurance solutions.
Manufacturing Insurance Coverage Considerations
A complete portfolio of environmental insurance products, including contractor’s and fixed premises pollution liability insurance products.
Primary and Follow Form Excess product recall coverage with no premium minimum.
Mechanical breakdown, short circuit and other electric disturbances, including certain losses during repair, service or processing.
Learn more about Manufacturing Insurance
To learn more about our manufacturing insurance options, select a division below to see its specialized products and services.
Tanks and Silo's
The importance of manufacturing insurance
Business insurance requirements for manufacturing businesses can vary by industry. You’ll need the right insurance coverage whether your business specializes in:
Working with metals and plastics
Every manufacturing business faces unique risks. For example, if you work with band saws or drill presses, your employees face a high level of risk, because these tools can be dangerous and need years of experience to operate.
On top of the unique risks, your business also has some of the more common risks that all businesses face. These can include property damage from unexpected events, or the loss of important records or files.
To get manufacturing business insurance, you can work with Kerr Insurance, an independent agency with hundreds of A+ rated insurance companies. You can always count on our representatives to take the quality of our services seriously. Contact us today to discuss your business’s coverage needs at 559-277-4771
Manufacturing Insurance Programs
Most fabricating and manufacturing businesses have a Business Owner’s Policy (BOP). It helps improve the quality of your insurance coverage by protecting your manufacturing business like a homeowners policy protects your home.
By combining three coverages in one, a BOP helps save you money on insurance rates, while safeguarding the manufacturing business you’ve worked so hard to build. Comprehensive manufacturer’s insurance is typically made up of:
General Liability insurance, which helps cover lawsuits resulting from an injury or property damage caused by your business. For example, say a customer gets injured by a machine in your shop. General liability can help cover the associated medical costs. This coverage even helps cover claims alleging slander and libel. However, it does not help cover claims tied to the professional services you provide. For those, you’d need professional liability coverage.
Commercial Property insurance to help protect your place of business and the tools you use, such as plastics, injectors and molds. Commercial property insurance can help protect these tools whether you own them or lease them.
Business Income insurance, which helps cover your lost income if you can’t run your manufacturing business due to covered property damage or loss, like a fire or storm.
Additional Manufacturing Insurance Programs
If you have employees, if you use a car for work, or if you work from home, we offer other important coverages that may help protect your manufacturing business.
Other Important Insurance for Manufacturing Companies
Workers’ Compensation Insurance
Apart from manufacturer’s insurance, most states require workers’ compensation insurance. Workers’ comp helps provide benefits to employees for a work-related injury or illness. Some of these benefits include paying:
The costs of medical care
Wages from lost work time
If your employee’s family sues you for their injury or illness, this coverage can also help cover your related legal fees. Businesses have been turning to Kerr Insurance Brokers for workers’ comp for more than two centuries. We also offer loss control services that can help your small business create a safer work environment and avoid injuries or illnesses before they happen.
Learn more about workers’ compensation insurance.
Commercial Auto Insurance
Do you or your employees use personal vehicles to:
Attend business conferences?
Pick up tools and supplies?
If you do, you may want to consider commercial auto insurance. A business auto policy can help provide coverage that’s not usually included in a personal auto policy. This can help cover you or an employee if there’s an accident involving an owned vehicle that’s used for work.
Learn more about commercial auto insurance.
Home-Based Business Solutions
If you run your business out of your home, a BOP provides coverage that is not generally available with a homeowners policy. If you have customers who come to your home to pick up finished projects, or if you have employees who work at your home, you should speak with an agent or representative from Kerr Insurance Brokers. They can help you select the right coverage to protect your manufacturing business.
Learn more about home-based business insurance.