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Insurance for Light Manufacturers

EMC Insurance Companies has the knowledge and expertise to provide you with the right manufacturing insurance policy options for your operation. We offer a full range of commercial insurance policies for manufacturing companies including makers of electronic equipment or accessories, food products, furniture and fixtures, metal goods, plastics, rubber goods, textiles and wood products.

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EMC’s Light Manufacturers Program

EMC Offers Many Types of Insurance for Manufacturing Companies

Manufacturing business insurance can include a variety of individual coverages, including:

Essential Property Coverage helps protect your buildings, tools and manufacturing equipment against physical damage such as fire.

Comprehensive Business Auto Coverage protects your delivery trucks if you transport products. It covers company vehicles and personal vehicles that your employees use for work.

Commercial General Liability Coverage protects your business from liability exposures, including premises and operations, independent contractors, product liability and completed operations. For example, if your company produces a product that causes harm to your customers, general liability insurance can help ease the financial burden.

Errors and Omissions (Manufacturing E&O) Insurance is an optional coverage that provides protection if a customer suffers financial damages due to a defective product.

Delivery Errors and Omissions Insurance is an optional coverage that provides protection if a customer suffers financial damages due to a delivery mishap.

Umbrella Coverage provides your business with additional security in the event of a catastrophic liability claim that would otherwise exceed your coverage limits.

Workers’ Compensation Insurance covers medical expenses and compensation for workers who get injured while on the job (available in select states).

How Much is Insurance for a Manufacturing Company?

The cost of manufacturing business insurance can vary depending on the size and type of your operations. EMC can customize your manufacturer insurance policy to work for you. Contact a local independent agent and ask about EMC’s manufacturer’s insurance.

Our Light Manufacturing Stats

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EMC proudly provides insurance coverage for over 1,700 light manufacturers in 41 states.

Types of Manufacturing Insurance Coverages

Property and Inland Marine
  • Brands and labels
  • Consequential loss to stock
  • Contingent transit
  • Contract cancellation
  • Contractual penalties
  • Deferred payment
  • Employee dishonesty
  • Extended warranty
  • Optional food manufacturer’s industry extension
    • Food contamination
    • Refrigeration breakdown expense
    • Refrigeration breakdown in transit
  • Foundations
  • Manufacturerʼs selling price
  • Marring and scratching
  • Nonowned detached trailers
  • Ordinance or law
  • Patterns, dies, molds and forms
  • Precious metals the* limitation
  • Property in transit in the care of carriers for hire
  • Property temporarily in portable storage units
  • Transit business income
  • Voluntary parting
  • Water backup and sump overflow
Liability
  • Blanket additional insured, including primary and noncontributory
  • Blanket waiver of subrogation
  • Fellow employee
  • Foreign liability available
  • Product withdrawal expense
Commercial Auto
  • Blanket additional insured
  • Combined auto physical damage and cargo deductible
  • Hired auto physical damage
  • Locksmith service
  • Personal property of others
  • Rental reimbursement
  • Temporary transportation expense
  • Towing and labor
  • Waiver of deductible for glass repair or replacement

These are just some of the coverages offered through the EMC Light Manufacturers Program. Talk with your independent insurance agent to learn more.

Disclaimer: This is a summary of coverages available. Coverage is subject to policy terms and conditions, limitations and exclusions, and may vary from state to state. Read your policy for specific terms and conditions, or contact your local agent for details.

Hear From an EMC Agent

“In this competitive insurance world, EMC offers tailored insurance built into their Light Manufacturing and Wholesaler programs that cover distinct exposures. The optional coverages, like Manufacturers E&O and Product Withdrawal Expense, are difference-makers that help successfully gain or retain a client.”

JOE WILLIS — Willis and Moore, Inc.

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Safety and Loss Control Resources for Manufacturers

EMC has provided loss control services for our policyholders since 1926. Our experienced loss control professionals can give you suggestions and solutions that can lessen your risks, including:

Ergonomic Evaluations* to identify ergonomic issues before losses occur. We also offer online resources to help you spot problems and educate your employees.

Slip and Fall Prevention to help you develop a proactive approach to reducing these incidents in your facility. We also offer many online resources to help prevent slips and falls—a leading cause of workplace injuries.

Hazard Control Assessments to identify hazards that pose the greatest potential safety risks to your operations. We then recommend viable solutions to control or reduce these risks.

Injury Management Programs* to help reduce the impact of injuries at your facility, including select provider, return to work, prework screening and worksite wellness programs.

Online Safety Training to give your employees convenient access to short training segments, complete with quizzes to check for understanding. You can register, assign training and track your employeesʼ training progress through our easy-to-use online training system.

Facility Planning and Material Handling to help analyze your current manufacturing facility layout and provide suggestions for a safer, more efficient layout.

Visit the Loss Control page to learn more and access our extensive collection of online safety resources.

Count on EMC® For Quality Manufacturer’s Insurance

Whether you need insurance for a factory or a small textile operation, EMC has a wide range of insurance policies for manufacturing companies. With more than 100 years of experience, customers know they can Count on EMC — and you can too.

*These services are available only in territories where EMC provides workers’ compensation coverage.

Find an EMC agent

Contact a local independent insurance agent and ask about EMC’s manufacturing insurance.

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A local independent insurance agent near you can help you find the right insurance for your needs.

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