Manufacturing firms face property and liability exposures, much like any other business operation.
However, manufacturing facilities can be hazardous environments, posing unique health and safety risks to employees and visitors. Accidents, spills, or equipment failures can lead to serious injuries or damage.
Even if your facility does not host visitors, your business may still face product liability or advertising-related claims.
Certain types of products can make it more difficult for manufacturers to secure standard liability insurance coverage. Specialized or higher-risk manufacturing often requires more tailored insurance solutions.
When accidents lead to third-party injuries or property damage, Non-Standard Manufacturing General Liability Insurance helps protect your business from related claims and lawsuits with broad coverage options.
What is Non-Standard Manufacturing General Liability?
Non-Standard Manufacturing General Liability Insurance is designed for manufacturers whose operations or products fall outside typical underwriting guidelines. These policies offer protection against claims of bodily injury, property damage, or personal and advertising injury caused by your business operations or products.
Who Needs It
This type of insurance is ideal for manufacturers who create high-risk, specialized, or unique products—such as industrial equipment, chemicals, automotive parts, or firearms. It may also be necessary for newer businesses, firms with prior claims, or operations with complex risk profiles.
What It Typically Covers
- Third-party bodily injury or property damage resulting from your operations or products
- Product liability claims related to defective or harmful products
- Personal and advertising injury, such as copyright infringement or reputational harm
- Legal defense costs for covered claims
Common Exclusions and Limitations
Like all insurance policies, non-standard policies have exclusions. Common ones include:
- Intentional acts or criminal behavior
- Employee injuries (typically covered under workers’ compensation)
- Product recalls or loss of use
- Damage to your own property or equipment
Factors That Influence Cost
Insurance premiums for non-standard manufacturing liability coverage can vary based on:
- Type and risk level of the products you manufacture
- Annual revenue and production volume
- Claims history and loss experience
- Safety protocols and risk management practices
Proof of Insurance and Compliance
Many clients, vendors, or government entities may require proof of liability insurance before entering into contracts. Non-standard policies can help you meet these compliance needs, though requirements may vary by state or industry.
How to Get a Quote
If your manufacturing business needs flexible liability protection tailored to your specific risks, explore your options today. Get a quote for Non-Standard Manufacturing General Liability Insurance.
Frequently Asked Questions
What makes a manufacturing business “non-standard” for liability insurance?
Businesses are considered non-standard if they produce high-risk products, have unique operations, or have a history of claims that make them ineligible for standard policies.
Does this insurance cover product-related lawsuits?
Yes, it typically includes product liability coverage for third-party injuries or damages caused by your manufactured goods.
Can I get coverage if I’ve had prior claims?
Yes, non-standard policies are often designed for businesses with prior claims, though they may affect your premium and coverage terms.
Is workers’ compensation included in this policy?
No, employee injuries are not covered under general liability insurance. You need a separate workers’ compensation policy for that.
How do I show proof of insurance to clients or vendors?
Your insurance provider can issue a certificate of insurance (COI) that verifies your coverage and can be shared with third parties.
Still have questions? Talk to a local insurance expert.