Manufacturing Insurance

We are your local experts

We have been providing insurance solutions for the past 20 years to manufacturers. Our number one goal is building relationships with our clients and providing them with best-in-class protection while providing cost-effective solutions that help to safeguard your operation.

 

Our flexible business insurance solutions meet today's risks and tomorrow’s challenges. With our specialized knowledge in the manufacturing industry, we understand that you need a unique kind of protection.

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Property Manufacturing Insurance

Property
Insurance

Property Insurance - Property insurance protects your company from 1st party losses to business personal property and other physical property. For instance, if you store any equipment in a warehouse, you will want property insurance to protect it. This also covers stock valuation at retail, spoilage, property off-premises, and utility services. Property insurance is sometimes packaged together with general liability insurance in a business owner’s policy (BOP).

For property that is on the move, such as being transported from office, warehouse, or job site, you will want to have an inland marine policy, also called a “floater”.

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Transportation and Cargo Coverage Manufacturing Insurance

Transportation &
Cargo Coverage

Transportation & Cargo Coverage - Having global distribution capabilities introduces the possibility of physical damage to products en route to their overseas destination. Fire, water, and weather hazards can cause significant damage to finished goods or materials.

Whether it’s implementing loss prevention measures or addressing claims globally, ocean marine insurance can help protect your valuable merchandise. Through a custom cargo coverage program, manufacturers with specific shipping needs can tailor coverages to their unique situations.

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Manufacturing Errors and Omissions Insurance

Manufacturer's
Errors & Omissions

Manufacturer’s Errors & Omissions - If you have a professional service or manufacturing business, having errors and omissions insurance coverage can be an integral part of protecting it. Claims of negligence or failure to perform are things for which any business can be sued.

Errors and Omissions coverage steps in where a General Liability policy ends and can provide coverage for damage your business may be liable for as a result of a mistake that might cause monetary harm that occurs when defending a qualified claim. General liability doesn’t cover the insured for a claim that doesn’t cause bodily injury, property damage, or personal and advertising injury.

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Manufacturing_Images4

General
Liability

General Liability - The CGL protects your company from claims of third-party bodily injury or property damage caused by your company. If a person walks into your building or onto a job site and slips and falls or is hit by falling debris caused by your workers in the course of your business your CGL policy would kick in. 

Your CGL also provides protection for products and completed operations. Products and completed operations covers damage caused by work you do and the products your company sells and installs. However, products or property owned by others that are in your care, custody, and control of an insured are usually excluded under the standard ISO CGL policy form. This gap in coverage can be addressed by inland marine, builder’s risk, or bailees coverage.

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Auto Fleets

Auto
Fleet

Auto Fleets - Business auto insurance protects any vehicles you use in the course of business. Your personal auto policy does not provide coverage for vehicles used by your business. Personal auto policies often contain business-related exclusions. If your employees use vehicles in the course of business uses vehicles you should purchase a separate business auto policy to cover your business in the event of an accident that occurs while an employee is driving.

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Business Income Hertvik

Business
Income

Business Income - Business income coverage (BIC) form is a type of property insurance policy, which covers a company’s loss of income due to a slowdown or temporary suspension of normal operations, which stem from damage to its physical property.

Usually, coverage applies during the time required to repair or replace damaged property.

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Workers Compensation Insurance Hertvik

Workers'
Compensation

Worker’s Compensation - Workers compensation covers injuries to your employees who are injured while in the course of their work. Workers compensation is mandatory everywhere except Texas and Oklahoma. 

We offer a number of unique advantages through our Early Return To Work (ERTW) and Strategic Case Management Units. These units proactively manage our workers compensation claims to help provide a seamless process for filing losses, communicating with your clients and getting injured employees back on the job.

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Product Recall Insurance Hertvik

Product
Recall

Product Recall -  Issuing a recall for defective or contaminated products released into the marketplace can be an expensive and time-consuming endeavor. Recalls can help prevent lawsuits by adversely affected consumers, which can be costly to defend and can affect a manufacturer’s brand and reputation.

Designed to cover certain costs triggered by a recall, Product Recall Expense protection can be added to a General Liability policy. This additional protection can help to cover costs you incur to pull products from the market and to transport, store, inspect and dispose of them.

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Cyber Liability Insurance Hertvik

Cyber
Liability

Cyber Liability - Even highly secure networks are vulnerable to malware and ransomware attacks. Despite efforts to protect proprietary information and client data, hackers can still find ways inside your systems, disrupting operations and triggering financial consequences.

Cyber coverage can be a crucial safeguard with customized insurance solutions depending on your business’s level of risk. Cyber coverage can protect your company before, during, and after a breach.

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Excess Liability Manufacturing Hertvik

Excess
Liability

Excess Liability -  Catastrophic losses can mount quickly, especially when litigation leads to substantial jury awards. These judicial decisions can be handed down in product liability or personal injury cases, and can exceed manufacturers’ expectations, as well as their coverage limits.

Excess liability coverage helps protect against the possibility of extraordinary financial damage. To help insulate your manufacturing business from large losses, Excess Casualty and Umbrella coverage offers limits of liability that extend above those of your primary liability policies.

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EPLI Manufacturing Insurance Hertvik

Employment Practices/
Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) - Covers employment-related claims from current, former, or even prospective employees. Coverage can also be broadened to extend coverage to independent manufacturers and provide third-party coverage in the event your employees harass a third party and you are found liable. In general, EPLI claims may result from the following wrongful acts:  wrongful termination, discrimination, emotional distress, or harassment. 

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Global Exposures Manufacturing Insurance Hertvik

Global
Exposures

International Exposures -  Whether you’re an existing multinational organization or exploring the possibility of expanding into a foreign market, we can offer you the products, services and expertise to meet a wide range of international insurance needs in more than 150 countries worldwide.

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At Hertvik Insurance, we recognize that every small business is unique. That is why we crafted a customizable suite of insurance products for manufacturers. Contact us below for a quote for your business.

Scott Byland

Scott Byland

Account Executive

(440) 973-0376

sbyland@hertvik.com

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Manufacturers We Insure:

Plastic and Rubber Manufacturing Insurance Hertvik

PLASTICS & RUBBER PRODUCTS

A lawsuit, worker injury, or fire could halt operations at your business. Find peace of mind with insurance policies designed for your specific risks.

Metal Goods Manufacturing Insurance Hertvik

METAL GOODS

A welding accident, lawsuit, or stolen fabrication equipment can cost your business thousands. Shield your small outfit with low-cost insurance for welders and metal manufacturers.

Wood Products Manufacturing Insurance Hertvik

WOOD PRODUCTS

From lumberyards to custom furniture makers, working with wood involves unique hazards. Protect your business from injuries, lawsuits, and losses with affordable insurance for wood manufacturers.

Food and Beverage Manufacturing Insurance Hertvik

FOOD AND BEVERAGE

From employment injuries to food poisoning lawsuits, food and beverage manufacturers face many risks. Protect your income and assets with affordable food manufacturing income.

Clothing and Textile Manufacturing Insurance Hertvik

CLOTHING AND TEXTILE

From damaged equipment to factory injuries and fire hazards, apparel manufacturing face a wide range of risks. Protect your business and assets with affordable clothing manufacturer insurance.

Appliance and Electronics Manufacturing Insurance Hertvik

APPLIANCE AND ELECTRONICS

Shield your business against losses, lawsuits, and medical bills with affordable policies for appliance and electronic manufacturers.

Paper Product Manufacturing Insurance Hertvik

PAPER PRODUCTS

Manufacturers of paper products can count on Hertvik Insurance for the protection they need from the risk exposures that are unique to their industries.

Our Services:

Property Risk Assessment Hertvik

Property Risk
Assessment

Auto Fleet Safety Hertvik

Auto Fleet
Safety

Water Intrusion Evaluation Hertvik

Water Intrusion
Evaluation

OSHA Training

OSHA
Training

Cyber Risk Assessment Hertvik

Cyber Risk
Assessment

Safety Management Services Hertvik

Safety Management
Services

Product Liability Review Hertvik

Product Liability
Review

Slip Trip and Fall Assessment Hertvik Insurance

Slip, Trip and Fall
Assessment

Ergonomic Review Hertvik Insurance

Ergonomic
Review

FREE Manufacturing Insurance Checklist

Coverages to keep you protected with our FREE Manufacturing Insurance Checklist
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