INSURANCE
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INDUSTRIES · MANUFACTURING

Keep the line running and the floor safe.

Comp, products liability, and property coverage for manufacturers with one plant or several.

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THE MANUFACTURING STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.
Workers' compMachinery, repetitive motion, and lifting injuriesStatutoryREQUIREDBOP / general liabilityProducts liability, equipment, and inventory$1M / $2MREQUIREDCommercial autoDelivery trucks and sales vehicles$1M CSLRECOMMENDEDUmbrellaCustomer and distributor contract limits$5MRECOMMENDEDMedical, dental, visionBenefits to hold skilled machinists and techs—RECOMMENDEDCommercial crimeInventory and raw-material theft$250KCONSIDER
  1. 01
    Class codes per role
    Office, shop floor, and drivers each priced correctly.
  2. 02
    Products liability
    Coverage that follows what you ship.
  3. 03
    Shift-based benefits
    Eligibility tracked across all shifts.

TOP RISKS WE PLAN FOR

  1. 01Machinery and repetitive-motion injuries. Floor roles carry high comp rates.
  2. 02Products liability. Claims can follow products long after they ship.
  3. 03Property and interruption. A plant shutdown can halt revenue.

MANUFACTURING QUESTIONS

Do you cover products liability?
Yes, within GL or as a standalone line where needed.
Can each plant be tracked separately?
Yes, with class codes and reporting by location.
YOUR PROGRAM AT A GLANCE

Every line a manufacturing company typically needs, on one application.

WORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersFINANCIAL + MANAGEMENTCommercial crimeEmployee theft, fraud, and funds-transfer schemes

HOW IT WORKS FOR MANUFACTURING

  1. 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
  2. 02Market to carriers. We submit to carriers that actively write manufacturing risks.
  3. 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
  4. 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS
  • ACORD 125
  • ACORD 130
  • ACORD 126
  • ACORD 140
  • ACORD 127
  • ACORD 129
  • ACORD 131
  • Employee census + group application
  • Carrier supplement
DOCUMENTS
  • Payroll by class code (from payroll)
  • Loss runs, 3–5 years
  • Current policy declarations
  • Experience mod worksheet
  • Revenue and operations description
  • Statement of values by location
  • Vehicle schedule with VINs
  • Driver list with license numbers

AFTER YOU BUY

  • Certificates on demand
    Issue COIs with additional insureds from your dashboard.
  • Claims advocacy
    Your advisor works the claim with the carrier.
  • Audits without surprises
    Payroll-based premiums reconcile as you go.
  • Renewal planning
    Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your services
TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for manufacturingIndustry pay rules, on one platform.
  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 23+ Million
    ACH TRANSACTIONS
  • 4.3+ Million
    W-2S / 1099S PROCESSED
  • 2.8+ Million
    EMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
OTHER INDUSTRIESSenior careHealthcareBehavioral healthDental + veterinary groupsConstructionAuto dealer groupsFranchise groupsStaffingFacility servicesLogisticsRestaurantsHotelsProfessional servicesEducation + childcareNonprofits

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