Commercial insurance coverage
Insure the shop, the equipment, and the product.
We source property and liability insurance around what you make and how you make it. We explain the terms for equipment on the floor, prototypes off site, and products in customer hands.
Commercial property
We compare insurance for your workshop, machinery, and stock, including terms for the income lost after covered damage.
Inland marine
We seek coverage for portable tools, demonstration units, and equipment in transit or at customer locations.
General liability
We compare liability options for customer injuries, property damage, and claims involving your finished products.
Your own property, and harm to someone else
The first split is what the policy is for. Commercial property and inland marine deal with loss of or damage to things you own or are responsible for. General liability deals with your legal liability for injury or damage suffered by someone else, which for a manufacturer often turns on the product, though it is not limited to that.
Location then decides which of the two property sections is asked to respond. Property policies are generally written around the scheduled address; inland marine is usually the section covering the same items in transit, at a contract manufacturer, on a customer site, or at a show. A machine on loan to a subcontractor, tooling held at a supplier, or a unit shipped for testing may sit outside the schedule that appeared to list it, depending on how covered property and covered locations are defined. Tell us where the equipment physically is across a year and we can compare what each quoted wording picks up.
Get commercial insurance for what you make.
Tell us about your production setup and insurance deadline. We’ll prepare the submission and compare the market’s response with you.