Commercial Auto has always been a risky business.  But with climbing commercial auto losses due to an increase in the frequency and severity of crashes and excessive claims, manufacturing companies falling into the ‘high-risk’ category, are finding it increasingly difficult to find coverage for their commercial auto insurance needs.

In a hardening market characterized by restricted coverage and higher premiums, manufacturing companies that have commercial vans, trucks, pickups and even fleets, are turning to excess and surplus lines insurers for solutions.

Non-Standard Manufacturing Commercial Auto Insurance provides adequate coverage for commercial auto exposures that arise when a business vehicle is involved in an accident.

These policies are particularly important for manufacturers with elevated transportation risks, such as frequent deliveries, long-haul freight, or the use of specialized equipment trucks. In many cases, standard commercial auto carriers may decline coverage due to an applicant’s claims history, high mileage, or the nature of the cargo being transported. This is where non-standard options can step in to fill the gap.

Non-standard manufacturing auto policies often address liability exposures, physical damage, and uninsured motorist protection, with flexibility to accommodate companies with fleets that include older vehicles or custom upfits. A common risk scenario might involve a manufacturing truck causing property damage while making a delivery to a job site, which highlights the importance of tailored coverage and proper risk management practices.

While standard commercial auto insurance may work for low-risk industries, manufacturers facing operational hazards and complex logistics often require more customized protection. Those in specialty trades, such as equipment fabricators or chemical processors, may also benefit from non-standard specialty trade contractors commercial auto insurance depending on their vehicle use and exposure profile.

Underwriting for these policies typically considers factors such as driver history, vehicle use patterns, cargo type, and radius of operation. It’s not uncommon for carriers to impose exclusions related to hazardous materials, personal use of business vehicles, or unapproved drivers. Understanding these limitations is key to choosing the right policy.

Manufacturers are encouraged to work with brokers who specialize in excess and surplus lines markets to secure the right coverage. Documenting safety protocols, driver training programs, and vehicle maintenance schedules can help reduce underwriting concerns and support competitive terms.

For manufacturers struggling to find traditional coverage, get a quote for Non-Standard Manufacturing Commercial Auto Insurance to explore your options and protect your business vehicles.