Coverage for the plant and the products that leave it.
Product liability, property and machinery, equipment breakdown, business income and workers' comp for manufacturers, from start-ups to established plants.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Your products travel with your liability
Manufacturers carry two main risks: damage to the plant and machinery, and claims from the products they sell, sometimes years later and far from California.
I place manufacturers with carriers that write their class, including start-ups, consumer products and companies that import or sell nationally.
- Product liabilityInjuries or damage from products you make.
- PropertyBuilding, machinery and inventory.
- Equipment breakdownMechanical and electrical failures.
- Business incomeLost income while the plant is down.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Products: what you make and who buys it.
- Markets: where your products are sold.
- Sales: annual sales and imports.
- Plant: building, machinery and inventory values.
- Payroll: employees by role.
- History: product recalls and loss runs.
Manufacturing insurance, answered
Why is product liability so important?
Claims from a product can come years after the sale and from anywhere it's sold. Product liability responds to those claims.
Is a product recall covered?
Usually not under general liability. Product recall coverage is a separate policy.
Are machinery breakdowns covered?
With equipment breakdown coverage, yes.
Can a new manufacturer get coverage?
Yes. Experience in the industry and quality control help.
Do you offer manufacturing insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send what you make. I'll shop it.
Your products, sales and where they're sold are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.