Your business is about one thing: rolling products off your line as quickly, safely, and efficiently as possible. As a light manufacturer, you have a lot of responsibilities. The last thing you need to deal with are major setbacks or liabilities. Manufacturers insurance is specifically designed to help businesses like yours run as smoothly as possible. Here at Mid Rivers Insurance, we help find comprehensive insurance for light manufacturers in need of protection for their business, assets, and employees.
Our coverage options span many different fields of manufacturing, including:
- Wood manufacturers
- Metal goods manufacturers
- Plastic and rubber goods manufacturers
- Textiles manufacturers
- Furniture manufacturers
- And more
Industry-Specific Coverage
As a manufacturer, there are many risks that are unique to the nature of your business. In addition to the standard commercial insurance solutions, we can also help you find industry-specific coverage designed to meet your needs. Your business insurance may include:
General Liability
If a visitor slips and falls in your warehouse, could you afford to cover their medical bills and the cost of their recovery time? What if a customer sues you because of a manufacturing defect that led to personal injury? The costs of injuries, property damages and legal fees from just one accident can total thousands or even millions of dollars. We can help you find liability coverage for your manufacturing line, your warehouse, your storefront, and the goods you produce.
We can help provide coverage that goes above and beyond general liability, providing specific protections like:
- Manufacturing Errors and Omissions
- Manufacturers Selling Price Endorsements
- Product Recall Insurance
- Product Liability
Workers Compensation
If your employees do a lot of heavy lifting or work around heavy machinery, they could be at high risk of injury. Workers compensation is an important part of business ownership, as it helps pay for employee medical bills and lost wages when one of your workers is injured on the job.
Property Insurance
Manufacturers have a lot of money wrapped up in their buildings, equipment, and inventory. If a fire, storm, or other covered event damages or destroys your property, your insurer can cover the cost of replacement or reimburse you for the actual cash value of your losses.
Commercial Auto Insurance
Do you have vehicles you use to carry goods to merchants or wholesalers? Any vehicle used in the course of business needs to be covered by a commercial auto insurance policy. This type of loss coverage helps protect you and your vehicles, as well as employees and other drivers if your company vehicle is involved in an accident.
Business Interruption
When unexpected circumstances, such as a fire, force you to temporarily suspend your manufacturing operations, the loss of income could cause a major setback. Instead of taking out loans or dipping into your cash reserves to cover the bills, business interruption insurance can help fill in the gap.
Equipment Breakdown
Your equipment is important to your day-to-day operations. If a sudden power surge or an inexperienced employee accidentally damages your production equipment, insurance can help cover the cost of repairs or replacement.
Manufacturing Insurance Quotes in Missouri
At Mid Rivers Insurance, we understand the financial vulnerability manufacturers face on a daily basis. Our broad coverage options are designed to protect your business with insurance for your liabilities and other risks. We shop around and compare rates from multiple carriers until we can build a policy with a combination of protections most fitting for your manufacturing business. For more information or to request your manufactures insurance quote, contact our office. We look forward to serving you soon.
