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Protection for Manufacturers

Selecting the appropriate insurance is essential for your manufacturing business. The Cincinnati Insurance Company's Manufacturers’ Program offers coverages specific to your industry. With professional advice from your independent agent representing Cincinnati, you can continue to manufacture your products while we focus on your insurance needs.

Choose Cincinnati’s Specialty Insurance Program

Depending on your insurance needs, Cincinnati offers several options for manufacturers. Your program begins with the same core property and liability coverages that most businesses need. From there, the specialty Manufacturers’ Program automatically includes distinctive enhancements:

Commercial property coverage:

  • Includes broad definition of building, which includes permanently installed machinery and equipment, and attached signs, awnings and canopies.
  • Values finished stock at the selling price in the event of a covered loss.
  • Reimburses you for your actual expenses to recharge fire suppression equipment after a covered loss.
  • Builds in equipment breakdown coverage for repairs or replacement of damaged covered equipment after a covered accident, reimbursing your lost income and extra expenses to keep your business in operation.
  • Provides the full building limit for covered loss to underground property, like foundations of buildings, machinery, boilers and for underground pipes, flues and drains.

Commercial general liability coverage:

  • Offers primary limits for bodily injury and property damage for premises operations and products liability up to $1,000,000 each occurrence. Higher umbrella limits are available.
  • Builds in a waiver of subrogation.
  • Includes blanket additional insured status for vendors.
  • Includes product recall expense, which pays for the cost of recalling your products that have caused or have potential to cause bodily injury or property damage.

Options to Suit Your Needs

Fine tune your insurance policy with these options:

  • Manufacturers’ Errors & Omissions Coverage – helps to protect you after you complete your product and are held responsible for damages due to faulty design, materials, installation or workmanship.
  • Worldwide General Liability Extension – expands the coverage territory to all parts of the world except where a United States economic or trade sanction or travel ban is in effect.

Round out your insurance program by adding various lines of coverage within a single policy for ease of administration:

Cincinnati Advantage

Work confidently, knowing you are protected by a superior insurance program that provides:

  • available loss control services
  • superior claims service from a representative who lives in or near your community in most instances
  • multi-year policy terms for many coverages in most states
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale 
  • a management team specifically dedicated to keeping our programs on the leading edge

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