MANUFACTURING INSURANCE
Insurance Built for Manufacturers
From small fabrication shops to large-scale assembly operations, Hoya designs insurance programs that protect your plant, your people, and your products — at every stage of the production cycle.
30+
Years insuring manufacturers
48
States we operate in
3
Service languages
Fast
Certificate turnaround
COVERAGE OPTIONS
What We Cover
A complete insurance program for manufacturing operations — from the factory floor to the loading dock.
Commercial Property
Protect your plant, equipment, raw materials, and finished goods from fire, equipment breakdown, theft, and natural disasters.
- Building & structure coverage
- Machinery & equipment
- Raw materials & inventory
- Business interruption
General Liability
Coverage for bodily injury and property damage claims arising from your manufacturing operations, products, and premises.
- Premises & operations liability
- Products & completed operations
- Contractual liability
- Personal & advertising injury
Product Liability
Critical protection if a product you manufacture causes injury or property damage after it leaves your facility.
- Manufacturing defect claims
- Design defect coverage
- Failure-to-warn claims
- Recall expense coverage
Workers' Compensation
Medical and wage-replacement benefits for employees injured on the production floor or in warehouse operations.
- Medical expense coverage
- Lost wage replacement
- Employer's liability
- Return-to-work programs
Commercial Auto
Coverage for company vehicles used to transport materials, finished goods, or employees between facilities.
- Owned & leased vehicles
- Hired & non-owned auto
- Fleet programs
- Cargo in transit
Umbrella / Excess Liability
An extra layer of liability protection above your primary policy limits — essential for manufacturers with significant product exposure.
- Excess over GL, auto & WC
- Catastrophic loss protection
- Broad follow-form coverage
- High-limit options available
Equipment Breakdown
Covers sudden mechanical or electrical failure of production machinery, boilers, and HVAC systems — losses not covered by standard property.
- Mechanical breakdown
- Electrical failure
- Spoilage & contamination
- Expediting expense
Cyber Liability
Manufacturers are prime ransomware targets. Protect your OT/IT systems, customer data, and production continuity.
- Ransomware & extortion
- Data breach response
- Business interruption
- Third-party liability
RISK LANDSCAPE
The risks manufacturers face every day
Manufacturing operations carry a unique combination of property, liability, and operational risks. A single equipment failure or product recall can cost millions. Hoya helps you identify every exposure and build a program that keeps your business running.
Talk to a specialist- Production line shutdowns from equipment failure
- Product recall and contamination events
- Workplace injuries on the production floor
- Supply chain disruptions and business interruption
- Cyber attacks targeting OT/SCADA systems
- Environmental and pollution liability
- Contractual liability with distributors and retailers
- Property damage from fire, explosion, or flood
Ready to protect your manufacturing operation?
Our team specializes in manufacturing risk. We'll review your current coverage, identify gaps, and build a program that fits your operation and budget.