Is insurance required by contract, licensing, or retailer standards for clothing manufacturers?
Manufacturing Liability Insurance Solutions for Small Operations
Secure the right coverage for your production business with manufacturing insurance through Gild’s trusted partners. From food and beverage producers to apparel and textile manufacturers, this insurance category offers tailored protection for small to mid-sized operations. Coverage options include general liability, workers compensation insurance, equipment protection, and more, helping manufacturers stay compliant, minimize risk, and keep operations running smoothly. Whether you manage a small-batch facility or a growing production line, Gild helps connect you with dependable manufacturing liability insurance built for your industry.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Get Insurance For Manufacturing?
If you own a business, the right insurance for manufacturing helps protect your cash flow, meet legal and contract requirements, and keep your doors open when the unexpected happens.
Here are some key reasons to consider manufacturing business insurance:
- Shield your cash flow from claims: Business insurance helps you avoid paying out of pocket for customer injuries, property damage, or lawsuits that could strain your finances.
- Stay compliant and contract-ready: Many states require workers compensation insurance, and clients or landlords often require proof of general liability insurance coverage.
- Protect your place and tools: Business personal property insurance can cover your business’ property, equipment, and inventory against covered losses like fire, theft, or vandalism.
- Protect Against Injuries, Damage, and Errors: General liability insurance helps cover third-party bodily injury and property damage, while professional liability insurance (E&O) helps protects against claims of professional errors or bad advice.
- Take care of your team and HR risks: Workers compensation insurance provides protections related to on-the-job injuries, and employment practices liability insurance helps address claims of discrimination, harassment, or wrongful termination.
- Keep revenue flowing after a crisis: Business interruption insurance can replace lost income and help you reopen after a covered event.
- Strengthen client and investor confidence: Adequate coverage shows you manage risk and run a stable, professional operation.
Why Does My Business Need Manufacturing Liability Insurance?
Certain business insurance coverages are required by state or federal law to protect employees and the public from business related risks.
The following manufacturing business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
The best way to find the right manufacturing insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Food and Beverage
- Building and Construction
- Professional Services
- Facility Services
- E-commerce and Online Retail
- Marketing and Media
- Pet Services
- Healthcare and Wellness Practices
- Beauty and Salon
- Retail and Shops
Get A Quote For Business Insurance Today!
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Yes. Even when not mandated by law, insurance is often necessary to do business:
- Workers’ compensation is legally required in most states if you have employees.
- General and product liability coverage may be required by retailers or wholesalers before placing garments on shelves.
- Commercial property coverage is often required by lenders or landlords if you lease factory or warehouse space.
Having insurance demonstrates professionalism and ensures compliance with both regulatory and commercial standards.
How much does beverage manufacturing insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does food manufacturing insurance cover risks like product recall, equipment breakdown, or supply chain disruptions?
Yes, with the right policies:
- Product Recall Insurance helps cover expenses like product withdrawal, legal fees, PR response, disposal, and lost income.
- Equipment Breakdown Coverage addresses repairs or replacements of critical manufacturing machinery.
- Business Interruption covers income loss if operations pause due to machine failure or contamination.
Let's Get The Best Insurance For Your Business!
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