What is Manufacturers and Contractors (MandC)?
Manufacturers and Contractors (MandC) insurance is a package-style approach that helps businesses manage combined risks from production and job-site operations. It typically groups commercial liability exposures with property and equipment coverage, and may coordinate workers' compensation and commercial auto exposure where needed. The goal is to create a tailored program that addresses both manufacturing hazards and contracting operations without duplicating coverages.
Who needs it
MandC programs are commonly sought by companies that both produce goods and perform installation, repair, or contracting work — for example, manufacturers that deliver and install their products, or contractors who fabricate components on-site. Smaller manufacturers, contractors, subcontractors, and service providers often look for consolidated coverage to simplify administration and reduce gaps between product liability, general liability, and job-site risks.
What it typically covers
Coverage components vary by insurer but often include:
- Commercial general liability for bodily injury and property damage
- Product and completed operations liability to cover defects after work is finished
- Equipment coverage for tools and machinery (owned and rented)
- Workers' compensation and employer liability for on-site injuries
- Commercial auto coverage for delivery and service vehicles
Programs are often customized; for example, manufacturers may add product recall modules while contractors may expand limits for completed operations or subcontractor oversight. For more on manufacturing-focused options, see the Manufacturing Insurance Program.
Common exclusions or limitations
MandC policies commonly exclude professional errors (unless a professional liability endorsement is added), pollution from long-term contamination, intentional acts, and some types of high-hazard subcontracted work. Many policies restrict coverage for defective design versus defective workmanship, and may limit coverage for rented or leased equipment without scheduled endorsements.
Factors that influence cost
Underwriters look at business size, payroll and revenue split between manufacturing and contracting, claims history, quality control and safety programs, types of products produced, transportation distances, subcontractor usage, and the value of tools and equipment. Higher product exposure, complex installations, or work at elevated heights or near public areas will typically increase premiums.
Proof of insurance & compliance
Contracting work often requires certificates of insurance and specified limits for general liability, workers' compensation, and commercial auto. Owners and contractors may be added as additional insureds on policy forms. Maintaining up-to-date certificates and endorsements helps meet contract requirements and reduces interruptions to work.
How to get a quote
Start by preparing a simple risk summary: description of operations, revenue breakdown (manufacturing vs. contracting), payroll, subcontractor practices, equipment lists, and recent loss runs. Brokers will evaluate underwriting factors and can combine coverages where appropriate. To begin the process, talk to your agent and request a MandC program quote tailored to your operations. You can also review specialized contractor-manufacturer programs like the Contractors and Manufacturers Program or explore workers’ compensation options at Miscellaneous Manufacturers Workers Compensation.
Risk scenario: a manufacturer that also installs equipment may face both product liability if a part fails and job-site exposure if installation causes property damage — MandC programs aim to address both exposures under a coordinated plan.
Related Coverages
Frequently Asked Questions
Do I need separate policies for manufacturing and contracting?
Not always. Many insurers offer combined MandC programs that consolidate coverages, but specific needs or higher limits may require separate or additional policies.
Will my subcontractors be covered?
Subcontractors are typically not automatically covered; contractors often require subcontractors to carry their own insurance and provide certificates. You can add subcontractor-related endorsements or require additional insured status where appropriate.
How are product liabilities treated after installation?
Completed operations and product liability sections cover damage or injury that occurs after work is finished. Limits and timeframes vary by policy, so review completed operations wording with your broker.
Still have questions? Talk to a local insurance expert.