Manufacturing Insurance

A single defective part, a stalled production line or a recall notice can cost a manufacturer more than a year of margin. Manufacturing insurance protects the plant, the products and the income behind them, and at AGEMA Insurance Solutions in Overland Park, KS, we place it for metal, plastic and wood product manufacturers, food and beverage producers, electronics and technology manufacturers, textiles and apparel makers, industrial machinery and equipment builders, and printing and publishing operations. Manufacturers that run their own trucks can see transportation insurance, owners of the buildings they operate in can add commercial property insurance, and for other lines, head to the AGEMA home page.

Product Liability Insurance for Manufacturers

Product liability protects your business from claims that a product you made caused bodily injury or property damage. Buyers often ask how much limit is enough and whether a carrier's industry knowledge matters once a claim is filed, and both are worth settling before the policy is bound. When the primary limit is not enough for the severity of a possible claim, an excess liability policy can sit above it. Retail and grocery vendor packs frequently require general liability at $2 million per occurrence with the buyer named as additional insured, and brands that use a co-packer should be named as additional insured on the co-packer's product liability with a waiver of subrogation. Product recall coverage helps with the costs of pulling a defective or unsafe product from the market, including notification, shipping and replacement.

Manufacturers Insurance for Equipment and Downtime

A plant depends on machinery that can fail without warning. Equipment breakdown coverage pays to repair or replace critical machinery after a covered breakdown and can also cover the business interruption that follows. Commercial property covers buildings, inventory and equipment against physical loss or damage, and business interruption replaces lost income when a covered event halts production. That income protection can be extended to a disruption at a key supplier or customer location, which matters for plants that depend on one source.

Manufacturing Liability Insurance and Workers' Comp in Kansas

Owners often ask whether workers' compensation is required in Kansas. Under K.S.A. 44-505, the act applies to employers with employees in the state, with exceptions that include agricultural pursuits and employers whose total gross annual payroll was $20,000 or less in the prior year and is expected to stay at or under $20,000. For a manufacturer with a production floor, workers' compensation provides benefits to employees injured on the job, and every policy we place remains subject to the carrier's terms and underwriting.