Manufacturers Business Insurance

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Manufacturers Face a Range of Risks

Manufacturers face a broad and ever-growing range of risks from workplace accidents to property damage to product recalls. Even so, risk managers for manufacturing firms can feel more confident knowing The Hartford is there to help them reduce risk and prevail through crises, lawsuits, and unexpected events.
Recommended Coverage for Manufacturing Businesses
Specialized Property Insurance from The Hartford protects the property a manufacturing business owns and leases, including things like equipment, machinery, inventory, furniture, tools, and fixtures. Manufacturing businesses can select from a broad range of coverages to customize their insurance to meet their specific needs including coverage if:
  • Stock is damaged.
  • Patterns, dies, and molds need to be replaced.
  • Equipment breaks down.
Specialized Property Insurance also helps cover lost income caused by utility service interruptions. It can also provide certain coverages for damaged property owned by the business that is not located in the main factory, along with goods in transit, and stolen tools.
Helps protect against customer claims resulting from the efforts of the manufacturing process. Our General Liability insurance automatically provides coverage for suppliers and others if you are required by written contract to add them as additional insureds and contractual liability coverage for bodily injury and property damage for which you have assumed responsibility under a written contract. To supplement our standard offerings, our specialty general liability underwriters have unique coverage offerings to select from for hard-to-place products, including ones that have been discontinued.
Provides liability protection against customer claims for financial losses they suffer as the result of a manufacturing mistake. It also helps cover manufacturers if their work or operations fail to meet the expected level of performance, quality, or durability.
Covers expenses when a manufacturer’s products are recalled. Coverage can include the cost to communicate the recall, additional staffing, overtime, and travel expenses incurred in handling the recall. It also helps cover costs to rent additional storage space, dispose of the product, and repair or replace it.
Also known as, business interruption insurance, this coverage from The Hartford helps protect against lost income if a factory or manufacturing business cannot operate because of a covered loss.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
Our end-to-end cybersecurity solutions help protect manufacturers from a broad range of potentially severe third-party liability and first party risks associated with data privacy and network security breaches, including hacking, malicious software, activities of rogue employees, hardware theft, employee error and more.
Helps protect against management liability risks faced by manufacturing businesses and their management teams. Our offering includes:
  • Directors, Officers and Entity Liability Coverage (D&O) – helps protect manufacturing businesses, their directors, officers and management personnel against loss that arises out of the day-to-day operations and management of the company.
  • Employment Practices Liability Coverage (EPL) – helps protect manufacturers from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, violation of the Family and Medical Leave Act, refusal to hire and wrongful termination or discipline.
  • Fiduciary Coverage – helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans.
  • Crime Coverage – helps protect manufacturers against loss from employee theft, computer fraud and other similar crimes.
  • Kidnap/Ransom & Extortion Coverage (K&R) – helps protect against financial losses due to kidnap and ransom/extortion, both in the U.S. and abroad.
Helps manufacturers survive a significant liability claim that exceeds the limits of primary coverage.
Additional Solutions for Manufacturing Businesses
The Hartford is a leading provider of Workers’ Compensation Insurance. XactPAY® offers pay-as-you-go workers’ compensation premium payments based on actual monthly payroll figures to help better manage cash flow fluctuations and minimize audit adjustments. Best of all, this is offered at no extra cost.
Helps cover the vehicles that a business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, along with lease and loan gaps. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
Covers damage to manufactured products in transit.
The Hartford’s innovative Risk Engineering team strives to help manufacturers run safer and ultimately more profitable factories with loss control services that include risk exposure evaluations, consultations, and recommendations for improving manufacturing businesses’ safety and security.

Manufacturing Customer Claims Reviews

About Our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.