Manufacturing risk is specific — whether you run a 10-person machine shop or a 200-employee production facility. Your equipment, your process, your supply chain, your workforce. A generic commercial policy written for a retail business doesn't reflect what happens on a production floor. Mangold's commercial lines team builds programs around the actual risk profile of your operation — from small job shops to mid-size manufacturers with complex multi-state exposure.
For manufacturing operations of every size, the premium is only part of the picture. Safety programs, loss history, equipment valuations, business interruption exposure, and contract review all affect your total cost of risk. We work with manufacturers on all of it — from a small fabrication shop to a mid-size production facility — not just at renewal time, but throughout the year.
Mangold serves manufacturers of every size — from small specialty shops to multi-line production facilities. We understand what manufacturing operations look like on the floor: the equipment, the processes, the supply-chain dependencies, and the exposures that come with them. We build programs that reflect how your business actually runs.
No obligation. We'll review your current program and shop 100+ carriers.
Manufacturing programs are more complex than standard commercial policies. Here's what a properly built program covers.
Building, equipment, inventory, and business personal property — at current replacement value, not what you paid for it five years ago. Equipment valuations are the most common gap we find in manufacturing programs.
Premises liability and products liability — what happens on your floor and what happens when your product leaves it. Products liability is often the largest exposure for manufacturers.
How long would it take to rebuild or replace your production capability after a major loss? Most manufacturers underestimate this. We model the actual exposure and write BI coverage that reflects reality.
Manufacturing has real workplace injury exposure. We review your experience modification factor at every renewal — a well-managed ex-mod can significantly reduce your workers' comp cost over time.
Manufacturing operations increasingly rely on connected systems, PLCs, and ERP software. A ransomware attack on a production facility can shut down operations entirely. Cyber coverage is no longer optional.
Excess liability above your GL, auto, and employers liability. For manufacturers with significant products liability exposure or large customer contracts, umbrella limits of $5M–$25M are not unusual.
For manufacturing operations, we look beyond the annual premium to the full picture of your risk exposure.
Your workers' comp experience modification factor directly affects your premium. We review your ex-mod at every renewal and identify opportunities to improve it through loss control and claims management.
Customer contracts often impose specific insurance requirements — additional insured endorsements, waiver of subrogation, minimum limits. We review your contracts and make sure your program complies before you sign.
We don't auto-renew and move on. Every manufacturing account gets a formal annual review — current coverage vs. current operation, market comparison, and a written summary of what changed and why.
Small job shops and large production facilities have different needs — but both deserve the same thorough independent approach.
Job shops, small fabricators, and specialty manufacturers. Often underinsured on equipment valuations and business interruption. We right-size the program without overbuying coverage you don't need.
The most complex segment — growing operations with increasing equipment value, larger workforces, customer contract requirements, and often multi-state exposure. This is where the annual program review pays off most.
Larger manufacturers often benefit most from Mangold's Robertson Ryan carrier relationships — access to specialty manufacturing programs across 100+ carriers. We come to your facility for large account reviews and work with your risk management team directly.
Our commercial lines team reviews your full risk picture, walks your facility for complex accounts, and shops 100+ carriers to find the right fit.