A risk advisor for manufacturing & industrial operations

For a manufacturer, the loss that hurts most is rarely a fire on its own — it’s the income a stopped line stops producing, the orders you can’t fill, and the customers who move to another supplier while you’re down. That’s why business income and extra-expense need a realistic period-of-restoration tied to lead times for specialized machinery, and why a contingent business interruption endorsement matters when a single sole-source vendor or one upstream supplier failing can idle your floor as fast as your own equipment can. We pair that with equipment breakdown for sudden mechanical, electrical, and pressure-system failure (often excluded from standard property), so a transformer, compressor, or CNC controller going down is read against the right form rather than falling between two policies.

The product side is where exposure outlives the sale. Products and completed-operations coverage answers claims that something you fabricated caused injury or damage, sometimes years out, and limits should reflect what you make, who integrates it downstream, and where it ends up. We look at how your contracts move that risk — vendor and customer agreements routinely demand additional-insured status, primary and non-contributory wording, and waiver of subrogation, and the hold-harmless language has to line up with what your general liability actually grants. We also flag product recall and product contamination as a separate exposure, since first-party recall costs and customer chargebacks usually sit outside standard products liability entirely.

On the operations side, machinery-heavy payroll drives workers’ comp, so class-code accuracy and experience-mod (EMR) review directly affect your rate and your ability to bid contracts. Delivery and vendor runs bring commercial auto and hired/non-owned exposure; solvents, coatings, dust, and waste streams raise pollution questions that a general liability pollution exclusion can leave open without a site or premises environmental form; and connected production lines, PLCs, and OT systems create cyber and downtime risk that a generic IT-focused policy may not address. We structure each line and read the exclusions against how you actually run, so the program is built to reduce gaps and clarify where coverage starts and stops rather than leaving it to chance at claim time.