Manufacturing Insurance in Ontario
Coverages designed to suit your company’s needs.
Manufacturers face complex risks — from equipment breakdown to product liability and global supply chains. Our Manufacturing Insurance programs combine Property, Equipment Breakdown, Product Liability, Manufacturers E&O, Product Recall Expense, Cargo/Transit, Cyber, and Business Interruption to keep your lines running and your brand protected.
Key Coverages
Commercial Property & Stock — Buildings, contents, finished goods, stock and stock-in-process.
Equipment Breakdown — Presses, boilers, compressors, robotics, electrical surge.
Business Interruption & Extra Expense — Lost income, expedited shipping, temporary premises.
Product Liability — Bodily injury/property damage from products, world-wide jurisdiction (where applicable).
Manufacturers E&O — Financial loss due to defective design/specs or failure to meet performance.
Product Recall Expense — Voluntary/mandatory recall, crisis management, brand rehabilitation.
Cargo/Transit & Marine — Domestic/international transit, inland marine, ocean cargo.
Cyber & Privacy Liability — Ransomware, business email compromise, third-party liability, data restoration.
Umbrella/Excess Liability — Higher limits across primary policies.
Environmental Impairment Liability — Sudden/gradual pollution, cleanup costs (where eligible).
Who It’s For
Food & Beverage ManufacturingMetal FabricationPlastic FabricationElectronics ManufacturingAutomotive PartsFurniturePackagingCustom Manufacturing
Common Claims Scenarios
- Gearbox failure halts production (Equipment Breakdown & BI)
- Product defect causes third party property damage (Product Liability)
- Contaminated batch triggers recall and customer notifications (Recall Expense)
- Phishing attack disrupts operations (Cyber & BI)
Risk Management Tips
- Preventive maintenance and vibration/thermal monitoring
- Supplier quality agreements and batch traceability
- Formal product testing and change management protocols
- Cyber hygiene: MFA, backups, endpoint protection, staff training
- Business continuity planning with critical spare inventory
What We’ll Need for a Quote
- Products list, end use, and jurisdictions sold into
- Quality controls/ISO certifications, recall plan, and vendor audits
- Machinery values, bottleneck equipment, and BI worksheets (gross profit)
- Loss history (5 years), contracts/indemnities, and requested limits
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