Manufacturing Insurance

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Manufacturing Insurance: Protect Your Production

From protecting your facility and equipment to defending against lawsuits and product defects, our tailored liability insurance provides the essential coverage you need to keep your operations running smoothly and your bottom line secure.

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Customized coverage for Equipment, Product Liability, and Business Interruption.

What Does Manufacturing Insurance Cover?

Our business insurance policies typically cover:

Contractor Insurance primary coverage


Commercial General Liability Insurance

Protects Saskatchewan manufacturers against third-party bodily injury and property damage claims occurring on your premises or during daily operations, shielding your business from the financial impacts of common slips, falls, or property mishaps.

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Product Liability Insurance

Included within your CGL package to cover third-party bodily injury or property damage caused by a product defect. This coverage focuses strictly on the resulting third-party damages and legal claims.

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Commercial Property & Equipment Breakdown Insurance

Protects your physical facilities, raw materials, and inventory. If you add Equipment Breakdown coverage, it provides financial assistance to repair or replace production machinery and industrial tools after sudden, unexpected electrical or mechanical failures.

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Manufacturers’ Errors and Omissions (E&O)

Covers legal defence costs and damages arising from professional services, media activities, or product performance failures. This shields your business from third-party lawsuits alleging neglect, misconduct, or a failure to deliver products as promised.

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BUSINESS

Group Benefits & Savings Plans

Whether you have two employees or two hundred, we can help you build a flexible plan that covers prescription drugs, dental, vision, and mental health support.

We also offer Health Spending Accounts (HSA) to give your staff the flexibility they value.

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We connect your business with tailored coverage for a wide range of manufacturing operations:

Food, Beverage & Cosmetics icon

Food, Beverage & Cosmetics

Custom risk management solutions for food and beverage manufacturers, alongside beauty and cosmetic producers, focusing on product purity, spoilage, etc.

Industrial Metals & Minerals icon

Industrial Metals & Minerals

Specialized property and liability protection addressing high-temperature operations, heavy equipment risks, and structural assets.

manufacturing gears

Chemicals, Plastics & Rubber

Targeted coverage to mitigate environmental exposures, complex supply chain links, and batch contamination.

Wood, Furniture & Textiles

Wood, Furniture & Textiles

For wood product mills, furniture assembly, and clothing or textile facilities, designed to address high fire risks, raw material storage, and finished product shipping.

Frequently Asked Questions

What is the difference between product liability and product recall insurance?

Product liability insurance covers legal fees, settlements, and damages if a defective product causes bodily injury or property damage to a third party. Product recall insurance, on the other hand, handles the direct operational expenses of pulling the product from the market, including advertising, shipping, disposal, and replacement costs.

Does standard commercial property insurance cover manufacturing machinery breakdowns?

Standard commercial property policies typically protect against external dangers, but exclude internal failures. To safeguard your production line against financial losses from sudden mechanical failures, electrical surges, or operator errors, you need to add specialized equipment breakdown insurance.

Why are liability risks and commercial lawsuits increasing for Canadian manufacturers?

Canadian business lawsuits have surged by 230% recently, driven largely by the rise of “no-win, no-fee” contingency legal practices that eliminate upfront costs for claimants. Furthermore, market data shows that nearly 70% of claimants will proceed with legal action regardless of a business owner’s financial stability, making a robust commercial liability shield essential for protecting your operational bottom line.

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