Fischer Risk Management

FISCHER RISK MANAGEMENT / INDUSTRIES

Manufacturing & distribution insurance. Follow the product from source to sale.

Your goods may cross factories, ports, warehouses, and customer sites before they earn a dollar. Review who owns them, where they go, and what your contracts require along the way.

An advisor and business owner walking through a manufacturing facility.Request an Insurance Review

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Product Liability

Product Recall

Inventory, Cargo & Stock Throughput

Technology Errors & Omissions

Cyber Insurance

Management Liability

The product moves. So does the exposure.

Manufacturing and distribution businesses face different questions at each stage of a product’s journey. Describe what you make, import, assemble, repackage, or distribute, and who performs each activity. An insurance review should follow those operations from suppliers through production, storage, delivery, and the customer’s use of the finished product.

Product liability starts with your role

Explain whether your name appears on the product, whether you supply components, and whether another company manufactures goods to your specifications. Bring a product list, intended uses, sales territories, and any installation or service activities. Review how the proposed liability policy describes the insured products and operations, including exclusions and contractual requirements.

Consumer-products inventory in a distribution facility.

Property, equipment, and business interruption

A facility review can include raw materials, work in progress, finished stock, machinery, and improvements to leased space. Discuss replacement values and equipment that would be difficult to replace quickly. Business interruption and extra expense deserve attention alongside property insurance; the covered cause of loss, waiting periods, limits, and policy conditions matter.

Imports, storage, and goods in transit

Map where you take responsibility for goods, who arranges freight, and where inventory is held. Share shipping terms, peak stock values, third-party warehouse arrangements, and domestic or overseas routes. Compare cargo and stock throughput options with property insurance so you understand how the program addresses each location and stage of transit.

Contracts and people belong in the review

Retailers, distributors, landlords, and customers may request limits or additional insured wording. Bring the complete agreement for discussion. Describe employee duties across production, warehousing, delivery, and office work, plus company vehicles and field operations. Workers’ compensation and commercial auto are separate parts of the review; requirements and policy arrangements vary.

Container ship, cranes, and freight containers at an ocean cargo terminal.

What happens when a product must be withdrawn?

Product liability and product recall are different concerns. Discuss tracking, batch identification, supplier agreements, customer notification, and the practical cost of removing a product from distribution. Ask which recall events and expenses a proposed policy addresses. An operational recall plan is useful even when insurance is unavailable or a particular expense is excluded.

Questions to prepare before your renewal

What products or territories have changed? Are peak inventory values higher? Have you added a warehouse, supplier, contract manufacturer, or delivery operation? Are contractual limits different? Prepare a concise overview of these changes, existing policies, loss history, and your renewal date. Share detailed documents through an appropriate channel after the initial conversation.

Build the review around your next stage of growth

A new product, major retailer agreement, or overseas sourcing arrangement can change the information needed for underwriting. Start early enough to review terms and requirements together. Cory can discuss your operations and the next information needed to explore available options. Insurance availability and placement depend on underwriting and the markets available.

Related coverage guides

Related industry guide

Food & Beverage Brands

New supplier, warehouse, or distribution agreement?

Start with the goods you handle, your role in the supply chain, and what has changed. Cory will follow up to discuss the business and the information needed for the next step.

Request an insurance review with Cory or call 845-721-0744.

Preparing for the conversation? Download the business insurance review checklist (PDF). No signup required.

Practical reading before your next decision

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Submitting an inquiry does not bind, amend, or cancel coverage. Coverage availability and terms depend on underwriting and the policy issued.

Further reading: Industry insurance background.