Manufacturers have their own unique requirements when it comes to designing insurance programs and there are certain core exposures that require special attention. Products Liability, Workers' Compensation and availability of adequate property limits are key issues and important components of any manufacturing insurance program. Gatta Insurance understands the importance of providing a comprehensive insurance program designed to meet specific client needs in today’s global economy.

 Do you need product liability insurance for manufacturers?

Manufacturers insurance programs have many elements in common with typical business insurance programs, particularly in terms of worker's compensation and property insurance. A unique aspect of insurance for manufacturing companies is the need for product liability insurance. From recalls to patent infringement, product manufacturers deal with many unique risks. Manufacturers insurance, more accurately described as insurance for manufacturing or product liability insurance, provides protection for these unique risks – particularly when products manufactured by your company cause harm to others. Here are a few examples:

  • A child dies after swallowing your product
  • A contractor or home owner develops lung cancer caused by the asbestos dust he/she breathed while working around your product
  • An E. coli outbreak forces a meat processor to recall tons of ground beef. Any business that manufactures or distributes a product to be used by the public faces potential manufacturing liability lawsuits. The liability insurance that many companies purchase is often limited to on-premises slips and falls. This does not cover injury or property damage caused by products. If you manufacture any of the products below, your company should have well-designed product liability insurance for manufacturing:


Which businesses should have product liability coverage?

  • Food of all types
  • Metal, plastic, rubber and wood products, from components that go into other manufacturers’ products, to your own finished goods
  • Leather goods and textiles
  • Anything with moving parts that can pinch, cut or crush


Why is product liability coverage important? How does it work? Additional Concerns

Product manufacturer's insurance programs can be extended to cover the costs of recalling your product from the marketplace and destroying it. In some cases, insurance for manufacturing can even be extended to protect the product manufacturer from the income lost in the recall. Does your business have the resources and the know-how to defend itself if another company alleges you stole their patented product design? What if they accuse you of violating their copyright or trademark on your Web site? Could you afford legal counsel and court fees? Specialized insurance for manufacturing companies protects you from patent, trademark and copyright infringement allegations, as well as providing funds to pursue those who violate your intelletual property rights. If you’re a company that needs insurance for manufacturing, or if you just want to learn more, Gatta Insurance can help. Our highly trained professional staff has relationships with insurance carriers specializing in manufacturer's insurance. Through our global network, we can access the entire insurance industry. We will help you identify and quantify your risks and then obtain comprehensive, cost-effective manufacturing insurance tailored for your business’s unique needs. Some of which include: 

  • Manufacturer's E&O
  • Employers Liability
  • Public/Products Liability
  • Patent Infringement
  • Business Interruption
  • Credit Insurance
  • Crime/Fidelity Insurance
  • Equipment Breakdown
  • Directors & Officers Insurance
  • Pollution Liability
  • Goods In Transit/Inland Marine Cargo
  • Automobile Coverage


The strength of our organization is built upon many years of providing solutions to our many manufacturing clients. Our dedicated Manufacturing Team of professionals will help design and implement integrated risk management and risk financing strategies designed to mitigate the cost of risk. Our objective is to review all options and find the very best solution for each client.