For manufacturers in Texas, operational risks extend far beyond the factory floor. Bowen, Miclette & Britt provides curated manufacturing insurance programs that address the entire product lifecycle—from raw material sourcing to final distribution. As a specialist manufacturing insurance broker in Houston, we possess the expertise to protect your assets, your people, and your reputation. We understand that manufacturers face unique risks. Our comprehensive manufacturing business insurance aims to minimize exposure and enhance risk management for your business.
A Comprehensive Needs Assessment for Your Manufacturing Operations
Our process begins with a thorough analysis of your operational framework. We evaluate supply chain vulnerabilities, product liability exposures, and potential business interruption triggers. This allows our brokers to structure a risk management and insurance program that is precisely aligned with your business, rather than offering a generic, one-size-fits-all policy.
Core Insurance Coverages for Manufacturers
Small manufacturers cannot afford to overlook their insurance needs. As a leader in manufacturing insurance, we pinpoint critical coverage areas, including:
- Product Liability:A foundational coverage for any manufacturer, product liability insurance protects your business against claims of bodily injury or property damage caused by a defective product. We ensure your limits are appropriate for your product’s risk profile and market reach.
- Equipment Breakdown Coverage: This coverage protects against economic losses sustained due to the mechanical failure of machinery or computerized technologies.
- Manufacturers’ Errors and Omissions: E&O insurance provides additional liability coverage for injuries and damage resulting from manufacturing mistakes and oversights. It can also cover breach of contract, failure to deliver a service, and missed deadlines.
- Business Interruption & Supply Chain Risk: We structure policies that help replace lost income and cover extra expenses if your operations are halted by a covered event. This can be extended to address disruptions caused by a critical supplier failure, a key component of modern supply chain risk management.
- Environmental Liability: This specialized insurance protects against pollution or other environmentally related incidents.
- Inland Marine: Many manufacturers ship their finished goods by land. Inland marine insurance provides financial protection against property damage while products are in transit. It can also cover certain items not included in your business owner’s policy or commercial property policy.
Who Should Consider Manufacturing Insurance?
Insurance policies for manufacturing companies are essential for any entity that creates products or goods and offers them for sale. These coverages help businesses avoid financial issues when or if a loss occurs. Without insurance, a company would need to pay for damages, injuries, and other expenses out of their own pocket — something few businesses could afford.
Industries We Serve
We cater to a wide array of manufacturing sectors, including:
- Fabrication shop insurance
- Insurance for food manufacturers
- Beverage manufacturing insurance
- Wood product manufacturers insurance
- Manufacturers E&O insurance
Key Risks Covered
Our insurance solutions help manage various risks, such as:
- Product Liability
- Product Recall
- Food safety and security
- Supply chain disruptions
- Pandemics
- Accidental and malicious contamination
- Brand equity damage
- Loss of revenue due to covered loss
- Environmental impairment
- Governmental and regulatory changes
- Sustainability
Connect with a Specialist Manufacturing Insurance Broker
Make sure your business has the coverage it needs to safeguard against the various risks that impact today’s manufacturing environment. Take the next step and contact the professionals at Bowen, Miclette & Britt to learn more about commercial insurance for manufacturers today. Call us at 713-880-7100 or complete and submit our online contact form today.
