Manufacturing Insurance

Protects against claims arising from manufactured products that cause injury or property damage after leaving your facility. Manufacturing product liability coverage addresses the heightened responsibility of creating products that could potentially harm users or cause property damage. This protection includes legal defence costs, settlement payments, product recall expenses, and coverage for design defects, manufacturing flaws, or inadequate safety warnings that could result in costly liability claims.

Covers manufacturing equipment, production machinery, and specialised tools against breakdown, damage, or theft. This coverage is crucial for manufacturing operations that depend on expensive machinery for production continuity. Protection includes repair or replacement costs, temporary equipment rental, and coverage for both sudden mechanical breakdown and gradual deterioration that could halt production and impact business revenue.

Replaces lost income when manufacturing operations are disrupted by covered events such as equipment failure, fire, or supply chain issues. Manufacturing business interruption insurance addresses the significant revenue impact when production stops, including ongoing expenses like employee wages, loan payments, and facility costs that continue even when manufacturing ceases. Coverage can extend to dependent business interruption from supplier or customer facilities.

Essential protection against third-party injury or property damage claims arising from manufacturing activities. This includes coverage for visitor injuries at manufacturing facilities, damage caused by defective products, pollution incidents, and accidents involving delivery vehicles or equipment. Manufacturing operations create heightened liability exposures due to heavy machinery, hazardous processes, and the potential for incidents to cause significant harm or property damage.

Protects against claims from employees alleging workplace discrimination,OH&S, wrongful termination, harassment, sexual harrassment or defamationwage and hour violations. Retail businesses often employ part-time workers, seasonal staff, and junior employees, creating complex employment relationships that require protection against employment practices claims. Coverage includes legal defence costs, settlement payments, and third-party employment practices claims from customers or contractors. Management Liability Insurance (previously known as Directors & Officers) is designed to provide protection for the directors of a company against financial loss in the event that they have breached their duties in their role. It covers the directors, officers, board members, management and administration from claims arising from mistakes or deliberate actions, including fraud.

 Protects against claims related to professional advice, design services, or technical expertise provided as part of manufacturing operations. Many manufacturers provide engineering advice, custom design services, or technical consultation alongside their production activities. This coverage addresses claims alleging inadequate professional services, design errors, or failure to meet specified performance standards.

 Essential protection for modern manufacturing operations that rely on computer-controlled systems, customer databases, and digital communications. Manufacturing cyber liability covers data breaches, ransomware attacks on production systems, industrial espionage, and business interruption from cyber incidents. Coverage includes forensic investigation, system restoration, customer notification, and protection against cyber extortion targeting manufacturing processes.

Protects against pollution incidents, environmental damage, and regulatory compliance issues that can arise from manufacturing processes. This coverage addresses accidental pollution, contamination cleanup costs, third-party environmental damage claims, and regulatory fines for environmental violations. Manufacturing operations often involve chemicals, waste products, or processes that could impact air, water, or soil quality.