Manufacturing & Distribution Insurance

Business Insurance › Manufacturing & Distribution

Insurance for Manufacturers, Fabricators, and Distributors

Manufacturing operations carry risks that generic commercial policies were not built for - product liability, equipment breakdown, supply chain interruption, and environmental exposure. Grit Insurance Group places coverage with carriers who understand production floors, not just office buildings.

We insure the full range of manufacturing and distribution operations across all 50 states. Whether you run a food processing line, a metal fabrication shop, or a regional distribution warehouse, we build a program around how your business actually operates.

Manufacturing Verticals We Insure

Food & Beverage Manufacturing

Processing facilities, bakeries, bottling operations, meat packing, and commercial food production. Food manufacturers face product recall exposure, contamination liability, USDA and FDA compliance requirements, and temperature-controlled storage risks. Your coverage has to account for all of it.

Metal Fabrication & Machine Shops

Welding shops, CNC machining, structural steel fabrication, and custom metal work. These operations run high-value equipment in environments with fire, fume, and injury exposure. Product liability extends to every component you fabricate. We place coverage with carriers who know how to rate fabrication risk.

Wood Products, Cabinets & Millwork

Cabinet shops, truss manufacturing, millwork operations, furniture makers, and custom woodworking. Wood product manufacturers carry fire risk, dust collection exposure, product liability on installed components, and equipment breakdown on CNC routers, planers, and saws. This is a niche that requires carriers with wood products experience.

Plastics & Injection Molding

Injection molding, extrusion, thermoforming, and plastic component manufacturing. Plastics operations involve high-temperature equipment, chemical exposure, product liability on molded parts, and environmental considerations for waste and emissions. Standard policies miss most of these exposures.

Wholesale & Distribution

Regional distributors, 3PL warehouses, wholesale supply operations, and logistics companies. Distribution businesses carry inventory risk, warehouse liability, fleet exposure, and product liability for goods they handle but did not manufacture. We build programs that cover the warehouse, the trucks, and the liability in between.

Core Coverage for Manufacturers

• General Liability - third-party bodily injury and property damage from your operations
• Product Liability - claims arising from products you manufacture, assemble, or distribute
• Commercial Property - buildings, equipment, raw materials, and finished inventory
• Equipment Breakdown - mechanical and electrical failure of production machinery
• Business Interruption - lost income when a covered event shuts down production
• Workers Compensation - employee injuries in production, warehouse, and shipping environments
• Commercial Auto & Fleet - delivery vehicles, box trucks, and fleet operations
• Inland Marine - goods in transit, installation floaters, and off-premises equipment
• Pollution Liability - environmental exposure from manufacturing processes and waste
• Cyber Liability - data breach and operational technology disruption
• Umbrella Liability - excess limits above your base policies

Why Manufacturers Choose Grit

• Independent brokerage - we shop dozens of carriers to find the right fit for your operation
• Experience with product liability, equipment breakdown, and production risk
• National reach - we place coverage across the country
• We come from blue-collar industries - we understand manufacturing floors, not just spreadsheets
• Fast certificates and additional insured endorsements for customer and vendor requirements

Your production does not stop for insurance problems. Neither do we. Call us at (801) 505-5500 or get a quote to start the conversation.