Commercial Property Insurance for Manufacturers

Manufacturing property insurance is more than the building. Production machinery, raw materials, work in process, finished stock, improvements and the time required to resume operations all affect how a property program should be built.

Serving Utah and all 50 states. We help manufacturers and fabricators across Utah, including Logan, Salt Lake County, Utah County and St. George, and we write commercial insurance for clients in all 50 states. Whether your operation is in one Utah location or spread across several states, we focus on lining up the right coverage before your renewal, not after a claim. Reach out for a no-pressure review of what you have today.

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What to Review

Build the program around how the operation actually works.

Manufacturing insurance is not one policy. The right structure depends on the product, process, property, people, contracts and potential severity of a loss.

Building valuesReplacement cost should reflect current construction costs and the specific features of an industrial facility.

Machinery & equipmentProduction machinery and supporting systems can represent a major share of total insured value.

Stock & work in processRaw materials, partially completed goods and finished inventory may fluctuate throughout the year.

Business incomeA covered property loss can create months of lost revenue and continuing expenses.

Ordinance or lawOlder facilities may face increased costs to comply with current codes after a major covered loss.

CAT exposuresWind, wildfire, earthquake, flood and other catastrophe exposures should be evaluated based on location and policy structure.

Questions Business Owners Ask

Important distinctions before renewal.

How should a manufacturer set property values?

Start with realistic replacement costs for the building, machinery, business personal property, stock and improvements rather than book value alone. Specialized equipment and long lead times deserve particular attention.

Does property insurance cover a machine that breaks internally?

Not always. Internal mechanical or electrical failure is commonly handled through equipment breakdown coverage, while property insurance responds to covered causes such as fire. The two should be reviewed together.

Why does business income matter so much for manufacturers?

Physical repairs may be only part of the downtime. Replacing specialized machinery, obtaining permits, rebuilding inventory and requalifying production can extend the recovery period.

Coverage descriptions are general. Actual coverage depends on the specific policy forms, endorsements, limits, exclusions and facts of a claim.

Keep digging into the exposures that matter.

Want a second look at your manufacturing program?

Send us a few basics and we will follow up to learn more about your business, current program and upcoming renewal.

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