Insurance for Automotive Aftermarket Manufacturers
Where your program falls behind your business
A part you shipped years ago is still out there, and so is the liability. These are the four gaps we find most often on aftermarket manufacturing accounts.
A part performs for years, then fails once, on one vehicle, in one accident. You get named as the manufacturer even when the real cause was how it was installed. Defense costs start before anyone determines that.
Notification, shipping, disposal, lost accounts, and sometimes the whole product line. Most manufacturers carry general liability and assume it responds. It usually doesn’t — recall expense is a separate coverage, bought separately.
A single-source vendor shuts down, a port backs up, a plant burns. Nothing touches your building, and your property policy may still pay nothing. Contingent business interruption is written for this and is almost always undersized.
Revenue grew, new products shipped, the fleet added vehicles and drivers. Auto and umbrella limits stayed exactly where they were. That gap costs nothing until a claim runs past your primary, and then it’s the difference between a covered loss and a judgment.
Send us your current program. We’ll tell you where the limits sit against your risk today, what’s excluded that shouldn’t be, and what the market is actually offering. No cost, no obligation.
Our Program is Designed For:
Coverages We Place for Automotive Manufacturers
The line that decides these accounts. Reviewed against today’s verdict environment rather than the limit that was adequate when the policy was first written, with attention to exclusions that quietly carve out part categories.
Separate from general liability, because general liability won’t pay for it. Notification, retrieval, shipping, disposal, and the revenue hit from an account that drops the line.
Loss that starts at your supplier’s plant and lands on your production schedule. Written with limits sized to how long a single-source vendor would actually take to replace.
Buildings, tooling, and production equipment, including the machinery failure that stops a line without a fire ever being involved.
Delivery vehicles, reps on the road, and product moving to distributors. Limits and driver programs reviewed against the fleet you have now, not the one you insured three renewals ago.
Layered above products, auto, and employer’s liability, sized to the revenue and customer base you have today.
About Liberty
Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four years by the Hales Report.
Liberty is not your typical insurance broker: We are a culture-first organization, and believe “If you put people first, good business will follow.” Our goal is to clear the path of political and administrative distractions so our valued team of creators can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.
