Products and recall
Distinguish liability for injury or damage from the cost of withdrawing a product.
Manufacturing
Manufacturing Insurance.
Manufacturing insurance should follow your products from raw materials to customers and account for the machinery and suppliers that keep production moving.
Talk to our team →
What we look at.
Critical equipment
Review machinery values, breakdown coverage and realistic repair or replacement lead times.
Production continuity
Map income dependencies on your facilities, key suppliers and specialist production processes.
General Liability
Review bodily injury, property damage, products or completed operations, and required additional insured endorsements.
Product Liability
Injury or damage alleged to arise from a product. Check the insured products, territories and products-completed operations limit.
Commercial Property
Building, equipment and inventory values, catastrophe deductibles and coverage restrictions.
Equipment Breakdown
Covered mechanical or electrical breakdown. Coordinate equipment damage, interruption and related expense.
Business Income
Review the insured income basis, continuing expenses, coverage trigger, waiting period and time or dollar limits.
Workers Comp
Review payroll, classifications, work locations and employer's liability. Statutory requirements vary by state and circumstances.
Cyber Liability
Incident response, liability and selected first-party losses. Review security conditions, business interruption and fraud provisions.
Product Recall
Selected recall and withdrawal costs, subject to the defined trigger, insured products and covered expenses.
Questions & answers
Good questions to ask.
Is product recall included in product liability insurance?
Not automatically. Product liability concerns claims that a product caused injury or property damage; recall coverage addresses selected withdrawal expenses. Review the recall trigger, insured products and covered costs separately.
Does property insurance cover machinery breakdown?
Do not assume every breakdown is covered. Review equipment breakdown alongside property insurance, then check whether resulting production losses and extra expenses meet the applicable business income terms.
Can insurance respond when a supplier shuts down?
Dependent property coverage may address certain losses following covered damage at a supplier. It does not cover every shortage or delay; review covered locations, causes, waiting periods and limits.
What should a manufacturer prepare for renewal?
Prepare product and end-use details, sales by territory, loss runs, machinery and stock values, critical suppliers, quality controls and recall procedures. Include realistic replacement lead times for equipment that could stop production.
From our journal
Related articles.
Industry and coverage references
Let's talk about your insurance.
Tell us about your business and what you need.