Manufacturing & Industrial Insurance · California
Insurance for Manufacturers & Industrial Operations
Manufacturing businesses carry significant product liability exposure alongside equipment breakdown, property damage, and workers comp for plant employees. Capital & Co works with specialty carriers to build manufacturing programs that match the complexity of your operations and supply chain.
Key Risks
Product liability from defective goods causing injury
Equipment breakdown halting production
Employee injury in plant and production environments
Fire, explosion, and pollution exposure on-site
Property damage to machinery and raw materials
Supply chain disruption and business interruption
Coverage Programs
Core / Typically Required
Product Liability
Covers bodily injury and property damage caused by products you manufacture or distribute.
Commercial Property
Covers your building, machinery, raw materials, and finished goods inventory.
Workers Compensation
Required for plant employees — manufacturing has elevated injury risk.
Recommended / Optional
Equipment Breakdown
Covers sudden mechanical or electrical breakdown of production equipment.
Business Interruption
Covers lost income and fixed costs when operations are halted by a covered loss.
Commercial Auto
Covers vehicles used for delivery, distribution, and business operations.
COI Requirement Checker
Frequently Asked Questions
Why Capital & Co
- Specialized market access for production & industrial operations programs
- California-specific regulatory knowledge and compliance
- Competitive rates across 50+ admitted and non-admitted carriers
- 1-hour quote turnaround for most commercial submissions
- Dedicated claims advocacy and certificate management
