Liberty’s Manufacturing Practice Group places product liability, commercial property, equipment breakdown, business interruption, workers’ compensation, product recall, and cyber coverage for manufacturers across the United States. The group serves discrete and durable goods producers, food and beverage processors, chemical and plastics manufacturers, and contract manufacturers supplying OEMs. Programs are structured around plant-level exposure: completed products still in the field, single points of failure on the line, supplier concentration, and OSHA-driven workers’ compensation costs. Liberty is licensed in all 50 states and places manufacturing risks through both admitted and surplus lines markets.
Manufacturers are carrying more risk on thinner margins than they were five years ago. Input costs move month to month, umbrella and excess capacity has tightened for heavier classes, and one automated line going down can cost more in lost throughput than the equipment is worth. The products you shipped three years ago are still your exposure.
Most brokers rate a plant off payroll and square footage. That misses what actually drives loss: how your line is sequenced, where your single points of failure sit, which supplier you cannot replace inside a quarter, and how your safety program holds up during an unannounced OSHA visit.
Liberty’s Manufacturing Practice Group builds programs around those specifics, structuring product liability and recall alongside property and equipment breakdown, then staying on the claim after it is filed.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Get coverage tailored to the unique risks impacting your business.
Dedicated claims advocacy with experience mod tracking and projections.
Liberty writes manufacturers across most NAICS codes and nearly every size band. A three-person machine shop and a multi-plant food processor have almost nothing in common on a loss run, and their programs should not look alike either.
Manufacturing programs fail at the seams. The property policy covers the building, equipment breakdown covers the machine, and nobody has settled which one pays when a transformer takes a line down for six weeks.
Liberty structures the property, product, and workforce sides of the program together so those handoffs are resolved before a loss instead of during one.
We place through admitted and surplus lines markets, which matters for the classes standard carriers have been walking away from: chemical blending, plastics, and anything with a long products-completed operations tail.
Keeps the plant running, and pays when it cannot.
Covers what happens after the product leaves your dock
Protects your people, your vehicles, and the people signing the contracts.
Liberty has been independently owned since Bill Johnson founded the firm in 1987, and it is licensed in all 50 states. That independence matters more in manufacturing than in most classes. When a carrier pulls back from a plastics or chemical account at renewal, we are not boxed in by a parent company’s appetite. We go back to the market.
Our manufacturing team reviews your loss runs, your customer contracts, and your supplier agreements before the renewal conversation starts. Then we stay on the claim: experience mod tracking, reserve reviews, and pushing adjusters when a reserve does not match the file.
Founded in 1987, The Liberty Company Insurance Brokers has grown from a Californiabased agency into one of the nation’s premier insurance brokerages, with $2 billion+ in managed premiums across 80+ offices nationwide.
You will talk to someone who understands a products-completed operations tail without needing it explained.
Access to admitted and surplus lines markets, so a hardening appetite in your class does not end the conversation.
Loss control walkthroughs, safety program reviews, and OSHA readiness before an inspector shows up unannounced.
Dedicated claims support with experience mod tracking and reserve reviews on open workers' compensation files.
