Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 21, 2026.
GENERAL LIABILITY
Manufacturing $28/month for general liability
WHY IT MATTERS
Why Manufacturing need business insurance
Manufacturers can face claims involving workplace injuries, damaged property, defective products, and delivery vehicles. The right business insurance mix can address covered losses based on the terms, limits, and exclusions of each policy.
SCENARIO 1
A product causes customer damage
A customer claims a manufactured component damaged its equipment. General liability insurance may respond to a covered product-related claim and associated defense costs.
SCENARIO 2
A fire damages machinery
An electrical fault starts a fire that damages production equipment and inventory. Commercial property insurance may help pay for covered repairs or replacement.
SCENARIO 3
An employee is injured
An employee injures a hand while operating production machinery. Workers' compensation insurance may address covered medical care and lost wages, subject to applicable requirements.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Manufacturing processes
Work involving heat, chemicals, heavy machinery, or other higher-hazard processes can increase the quoted rate.
Products and sales volume
The types of products you make, their intended uses, and your sales volume can affect product liability exposure and quoted cost.
Payroll and job duties
A larger payroll or more employees performing higher-risk production work can increase workers' compensation costs.
Property and equipment values
Higher building, machinery, inventory, and raw-material values can increase the amount of property coverage needed and the resulting quote.
Vehicles and drivers
More business vehicles, drivers, delivery activity, or time on the road can raise commercial auto costs.
Claims and safety controls
Prior losses can lead to higher quotes, while documented training, maintenance, and safety procedures can support a more complete underwriting review.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national manufacturing business, facility locations and operating territory can influence requirements, coverage availability, and quoted rates.
State and carrier differences
Rates, requirements, and underwriting approaches vary by state and by carrier, especially when a business operates in several states.
Facility hazard exposure
A facility's exposure to wind, fire, flooding, theft, or other hazards may affect commercial property terms and cost.
Operating footprint
The number of facilities, delivery routes, employee locations, and states served can expand the exposures considered in a quote.
3,281
Quotes analyzed
51
States represented
7
Coverage lines
BEST RATE
How to get the best rate
Provide accurate business details
Confirm your revenue, payroll, employee duties, products, equipment values, vehicle use, and facility information before requesting a quote.
Document safety practices
Gather written training procedures, equipment maintenance records, quality-control steps, and workplace safety policies for underwriting review.
Review contracts carefully
Check customer, landlord, and vendor agreements so requested coverage types and limits reflect your actual obligations.
Organize your loss history
Collect prior loss information and note the corrective actions taken to reduce the chance of similar incidents.
FAQ
Common questions
What types of business insurance should a manufacturer consider?
The right mix depends on your products, processes, employees, property, vehicles, and contracts. Common considerations include general liability insurance, commercial property insurance, workers' compensation insurance, commercial auto insurance, inland marine insurance, and professional liability insurance.
Is general liability insurance enough for a manufacturing business?
General liability insurance may not address every manufacturing risk. Separate coverage may be needed for employee injuries, owned property, vehicles, transported equipment, or professional errors.
Does general liability insurance include product liability coverage?
Product liability protection may be included within some general liability policies. Review the policy terms, exclusions, coverage territory, and limits to confirm how your products are treated.
What affects the cost of manufacturing business insurance?
The quote can reflect your manufacturing processes, products, revenue, payroll, property values, vehicles, claims history, safety controls, coverage choices, and operating locations. Rates and requirements also vary by state and by carrier.
How can I get a business insurance quote for a manufacturing company?
Start with one quick form. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work, and there is no cost to you.