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Why manufacturers choose EMC

When your local independent agent recommends EMC Insurance, it’s for good reason—they know we’ll deliver for you. We work hand-in-hand with them to understand your real-world needs and offer the right insurance options to protect your manufacturing operation. Which means personalized, local service, excellent claims experiences, and industry-leading safety resources for you.

Two workers in a manufacturing facility

Who needs manufacturers insurance?

If you’re in the business of making products or goods, you need manufacturing insurance. At EMC, we understand the ins and outs of manufacturing because we’re niche industry specialists. Which means we have the knowledge and expertise to provide you with tailored coverage to fully protect your interests.

Here are some businesses that would benefit from manufacturing insurance:

  • Electronic accessories
  • Electronic equipment
  • Food products
  • Furniture and fixtures
  • Metal goods
  • Carpenters
  • Plastics
  • Rubber goods
  • Textiles
  • Wood products

A group of workers in a manufacturing building

How much does manufacturing insurance cost?

Every manufacturing business is unique, with its own set of variables that can influence the cost of your insurance coverage. These factors range from the equipment you use and the materials you handle to the safety protocols you implement, the size of your workforce, the vehicles you operate, your claims history, and more.

As a commercial insurance company, we understand the importance of tailoring your insurance policy to fit your specific needs—and that’s exactly what we’re here to do. Connect with a local independent agent and ask about EMC’s Manufacturing Insurance Program.

An agent meeting with a manufacturing worker in their warehouse

What type of insurance do manufacturers need?

Manufacturing companies may need a variety of insurance coverages to protect their business. Some essential coverages include:

Property insurance
This vital insurance component protects your buildings, tools, and equipment against physical damage, including fire, theft, and natural disasters.
Comprehensive auto insurance
This insurance protects your delivery trucks during product transportation. It also covers company and personal vehicles used by your employees for work.
Commercial general liability insurance
This protects your business from liability risks, including premises and operations, independent contractors, product liability, and completed operations.
Manufacturing errors and omissions insurance
This optional coverage covers financial damages your company could be liable for as a result of an error in the manufacturing process.
Delivery errors and omissions insurance
This is another optional coverage that steps in if a customer experiences a financial loss due to a delivery mistake.
Umbrella coverage
This offers your business extra protection in case of a major liability claim that exceeds your regular coverage limits.
Workers’ compensation insurance
This coverage covers medical bills and compensation for workers injured on the job (available in most states).
Contact a local agent
They can help you review our comprehensive selection of customized coverages.

Safety and loss control resources
for manufacturers

We do more than provide policies and process claims—we’re here to protect you, your employees, and your business. Our safety experts can help you proactively reduce your risk exposure through loss control strategies and safety services that add value to your policy—without tacking on extra costs to your premiums.

Hazard control assessments
We’ll pinpoint the most critical safety hazards in your operations and offer practical solutions to minimize or eliminate them.
Ergonomic evaluations*
Our experts will help you address ergonomic concerns to enhance employee comfort and productivity while minimizing the risk of work-related injuries.
Slip and fall prevention
Protect your workforce and maintain productivity with our proactive approach to reducing slip and fall incidents, which will ultimately lower the risk of injuries and related expenses.
Injury management programs*
Minimize the impact of workplace injuries with comprehensive programs like EMC OnCall Nurse, a 24/7 work-injury hotline that connects injured workers and supervisors to a registered nurse for immediate guidance on necessary medical care.
Facility planning and material handling
Optimize your manufacturing facility layout to enhance safety, efficiency and workflow, ultimately improving overall operations and minimizing risks.
Wearable sensors
Receive preferred pricing on cutting-edge technology from MākuSafe to detect safety hazards in real time, allowing for proactive interventions to prevent accidents and protect your employees.

*These services are available to policyholders with EMC workers’ compensation insurance.

Loss Control resources

Visit the Manufacturing Loss Control page to learn more and access our extensive collection of online safety resources.

If an accident happens, we’ll take care of you.

As an insurer, we get the chance to do the right thing every day. We’re proud to be known for responsive, empathetic, and fair claims handling, always ready to step up and be there for you when you need us.

Our claims service score demonstrates our dedication. 

4.6/5

Based on data through Jan. 2024

A man standing next to heavy machinery in his manufacturing building