Manufacturing Insurance & Risk Solutions
Protect the Operation From Every Direction
Connect property, people, products, contracts and continuity through one manufacturing-focused risk strategy.
One Connected Program
Coverage Decisions Should Reflect How Production Actually Works
A manufacturing loss rarely stays inside one policy. Equipment damage may stop production, delay customer orders, spoil inventory, trigger contract questions and affect employees—all at once.
Champion Risk evaluates how the operation’s equipment, processes, workforce, products, customers and financial priorities connect. That operational view helps leadership identify gaps, reduce uncertainty and build a program that can respond as the company changes.
Core Manufacturing Risk Solutions
Organized Around the Risks Leadership Must Manage
Property, Equipment & Business Interruption
Protect facilities, machinery, inventory, income and the resources needed to restore production after a covered loss.
02General & Product Liability
Address third-party injury, property damage, product allegations and completed operations across the product lifecycle.
03Product Recall & Manufacturers E&O
Prepare for withdrawal expenses and financial-loss allegations that may fall outside traditional product liability coverage.
04Workers’ Compensation, Safety & Claims
Connect loss prevention, return-to-work, claim advocacy and experience-modification performance.
05Commercial Auto
Protect company vehicles and address employee driving, rentals, fleet controls and hired or non-owned auto exposure.
06Cargo & Stock Throughput
Follow raw materials, work in process and finished goods through transit, processing, storage and delivery.
07Cyber, Technology & Crime
Address ransomware, system interruption, funds-transfer fraud, connected machinery and sensitive business data.
08Employee Benefits
Balance workforce needs, cost control, clear communication and year-round support across shifts and locations.
Program Design
The Policies Must Work Together When the Loss Does Not Fit in One Box
Property, liability, cyber, cargo and workers’ compensation decisions can affect one another. Limits, deductibles, valuations, exclusions, contracts and retained risk should be evaluated as one program—not as unrelated renewal transactions.
Request a Complete Program ReviewCross-Cutting Exposure
Environmental Risk Can Appear in Nearly Every Operation
Chemicals, oils, coatings, fuels, wastewater, emissions, storage tanks, waste and transported materials may create cleanup and regulatory obligations that standard property and liability policies restrict.
- Materials used and stored
- Wastewater and emissions
- Aboveground and underground tanks
- Waste handling and disposal
- Transportation exposures
- Historical site conditions
A Program That Changes With the Business
New Equipment, Products and Contracts Can Create New Gaps
Insurance information becomes outdated when operations change between renewals. A practical service plan keeps the program aligned throughout the year.
Explore Industries We ServeReview the program when you:
- Add equipment or production capacity
- Introduce products or materials
- Expand or acquire a facility
- Enter new contracts or markets
- Change transportation or distribution
- Experience a significant claim
Safety and Claims Advocacy
Coverage Is Only One Part of the Outcome
Claim reporting, reserves, return-to-work, corrective action and adjuster strategy can influence both the immediate result and future insurance costs.
Chris works closely with Susan Wade, Champion Risk’s Director of Workers’ Compensation Claims, to connect program strategy with active claims oversight and practical loss-control resources.
Explore Safety & Claims SupportAlternative Risk
Strong Performance May Create Options Beyond Guaranteed Cost
Manufacturers with disciplined safety practices, favorable loss performance, financial strength and a long-term perspective may benefit from a captive or another loss-sensitive structure.
Explore Alternative Risk & CaptivesIncrease transparency, participate in favorable performance and align risk financing with long-term operating discipline.
Request a Captive Readiness Review →Common Questions
Manufacturing Insurance FAQs
What types of insurance should a manufacturer consider?
Coverage needs vary by operation, but manufacturers commonly consider commercial property, equipment breakdown, business income, general and product liability, product recall, manufacturers errors and omissions, workers’ compensation, commercial auto, cargo, cyber, pollution and umbrella or excess liability.
How often should a manufacturing insurance program be reviewed?
A comprehensive review should occur before each renewal and whenever the company adds equipment, facilities, products, materials, customers, contracts, vehicles or operations. Significant claims and ownership changes can also warrant review.
What is the difference between product liability and manufacturers errors and omissions insurance?
Product liability generally addresses covered allegations of bodily injury or physical property damage caused by a product. Manufacturers errors and omissions may address certain financial-loss allegations involving a product or service that failed to perform, subject to policy terms.
Start With the Whole Operation
Find the Gaps, Cost Drivers and Opportunities in Your Current Program
We’ll evaluate how your coverage, claims, risk controls and financial strategy work together.