Engineered Coverage, Not a BOP
Manufacturers don't fit business owner's policies. A misclassified product, an under-insured CNC, or a missing equipment-breakdown endorsement turns a routine loss into a six-figure gap. We write manufacturing as a structured program — property, product, cyber, and work comp aligned around the way your plant actually runs — and we bring loss-control engineers to your floor before binding, not after a claim.
Core Manufacturing Coverages
Property & Equipment Breakdown
Replacement-cost coverage on buildings, CNC and production machinery, dies, tooling, and electrical/mechanical breakdown on the equipment that runs your line.
Product Liability
Defense and indemnity when a finished product causes bodily injury or property damage — including failure-to-warn and design-defect allegations.
Stock & Inventory (Raw + Finished)
Coverage that flexes with seasonal swings — raw materials, work-in-process, finished goods, and stock at off-site warehouses or 3PLs.
Inland Marine & Cargo
Goods in transit, on the dock, at trade shows, and at customer sites — plus contractors' equipment for installers and field service crews.
Business Interruption + Extra Expense
Replaces lost income and pays for rented equipment, expedited shipping, and overtime to keep customers supplied after a covered loss.
Cyber & Industrial Control Security
Ransomware, network interruption, and OT/ICS coverage for the PLCs and SCADA systems that ransomware crews now target.
The Exposures We Actually Underwrite Around
Four loss drivers cause the majority of manufacturing claims — and the majority of denied claims. Each one gets a specific structural answer in our programs.
Fire & Hot Work
Welding, grinding, drying ovens, and combustible dust — the leading total-loss driver in U.S. manufacturing.
Machinery Breakdown
A single CNC spindle or transformer failure can park a line for weeks. Equipment breakdown closes the property-policy gap.
Cyber & Operational Tech
Manufacturers are the #1 ransomware target. We rate carriers on OT response, not just data-breach reimbursement.
Pollution & Environmental
Solvents, coatings, refrigerants, and wastewater — a Pollution Liability endorsement closes the standard CGL pollution exclusion.
Sectors We Write
From job shops and contract manufacturers to multi-plant processors — across all 26 states we're licensed in.
What's Included in the FIG Manufacturing Program
Every manufacturing account we write includes a structured pre-bind risk review — not because it's required, but because it materially lowers premium and closes the gaps that cause denied claims.
Licensed in 26 States
We write multi-state and multi-plant manufacturing programs on unified policies — one renewal date, one certificate hub, one team.