IMD InsuranceJob shops & fabricators
- CNC, welding, machining, sheet metal
- Equipment values that outgrow the property limit
- Products exposure from components you don't see installed
- Workers' comp class codes that fit the work
Manufacturing
Manufacturing insurancebuilt around the line.
Property, products liability, recall, equipment breakdown, and business interruption — scoped to what actually stops your line, with workers' comp and cyber that match a modern plant.
Who we insure
From job shop to plant.
Metal fabrication, food and beverage, plastics, electronics assembly, furniture, printing, packaging — the exposures rhyme: a building full of equipment, a product that leaves it, and people on the floor.
i.
ii.
Food, beverage & consumer
- Products liability and recall sized to distribution
- Spoilage and contamination
- Refrigeration breakdown
- Contracts with retailers and co-packers
iii.
Growing manufacturers
- Second shift, second building, first export
- Business interruption that reflects real lead times
- Cyber that covers a stopped line
- Group captive evaluation when premium justifies it
Coverage
What a manufacturer carries.
Plain-English summaries. Your policy documents always control.
01
Commercial property
Building, machinery and equipment, raw materials, work in process, and finished stock. Replacement cost, agreed values, and co-insurance are where manufacturers get hurt at claim time.
Core02
Business interruption
Lost income and continuing expenses while you rebuild — including the months it takes to replace long-lead equipment. The period of restoration is the decision.
Core03
Equipment breakdown
Mechanical and electrical failure of production equipment, boilers, and electrical systems — excluded by standard property forms.
Machinery04
General & products liability
Injury or damage your product causes after it leaves your hands, plus premises exposure. Vendor and distributor requirements usually drive the limits.
Contract-required05
Product recall
Your own costs to pull a defective product — notification, shipping, disposal, and often lost profit. GL covers the injury, not the recall.
Specialty06
Workers' compensation
Required with employees. Class codes, safety programs, and experience modification are the levers; a captive is the next step when premium is large.
Required07
Cyber
Ransomware that stops a line is a business interruption most property policies don't cover. Add funds-transfer fraud and customer data.
Operations08
Auto, inland marine & umbrella
Delivery vehicles, goods in transit, and excess limits above everything else.
ProgramSimplified summaries for general information. Coverage, limits, and exclusions vary by carrier and policy.
FAQ
Manufacturing questions.
Products liability vs. product recall — what's the difference?
Products liability pays for injury or damage your product causes to others. Recall pays your own costs to pull a defective product from the market. Most GL policies include the first and exclude the second.
How do you size business interruption?
With a business income worksheet: revenue, continuing expenses, and payroll over the time it would really take to restore operations — including replacing long-lead equipment. Choosing the period of restoration and the extended period is the main decision, and we'll work it with you.
Do we really need cyber?
If a ransomware event would stop your line, yes — property policies generally won't respond. Any business with email and invoices also has funds-transfer fraud exposure.
What do you need for a quote?
Products and processes, revenue by product line, payroll by class, a statement of values for buildings and equipment, current policies, and 3–5 years of loss runs. Send what you have — our intake reads it.
Get a quote
Talk to a person.
(332) 333-2353 IMD Insurance Agency LLC767 Broadway #1239, New York, NY 10003
Hours: business hours — fill in
Good to have readyCurrent policies and declarations · 3–5 years of loss runs · payroll and revenue · any contract or lender insurance requirements