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Oracle RMS Insurance

Manufacturing Insurance

Industry Insurance — Oracle RMS Insurance

Manufacturing Insurance

Comprehensive insurance for manufacturers — protecting your facility, equipment, products, and supply chain.

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Manufacturing businesses face a broad range of insurance exposures — from product liability and equipment breakdown to pollution liability and supply chain disruption. A single product defect claim or equipment failure can result in significant financial losses. Oracle RMS works with manufacturers of all sizes to build insurance programs that address the full scope of their risk, from raw materials to finished goods.

Who needs this coverage?

Manufacturers of all types — food and beverage, consumer goods, industrial equipment, automotive parts, building materials, chemicals, and more. Both small job shops and large production facilities need properly structured manufacturing insurance.

Key coverages

  • Commercial general liability
  • Product liability
  • Commercial property
  • Equipment breakdown
  • Business interruption
  • Pollution liability
  • Commercial auto and fleet
  • Trade credit insurance
  • Cyber liability
  • Crime and employee dishonesty

Frequently Asked Questions

What is equipment breakdown coverage for manufacturers?
Equipment breakdown coverage (also called boiler and machinery insurance) covers the cost to repair or replace production equipment that breaks down due to mechanical or electrical failure. It also covers the resulting business interruption losses. Standard property policies exclude mechanical breakdown.
Do manufacturers need product liability insurance?
Yes. Manufacturers are at the top of the product liability chain. If a product you manufacture causes bodily injury or property damage, you can face significant claims. Product liability is typically included in a CGL policy but manufacturers often need higher limits.
What is pollution liability for manufacturers?
Manufacturers that use chemicals, solvents, or other potentially polluting substances in their production process face pollution liability exposure. Standard CGL policies exclude pollution claims. A standalone pollution liability policy covers cleanup costs and third-party claims.
How does trade credit insurance help manufacturers?
Trade credit insurance protects your accounts receivable against customer insolvency or non-payment. For manufacturers that sell on open account terms, a single large bad debt can be financially devastating. Trade credit insurance also helps secure better financing terms.
What is contingent business interruption for manufacturers?
Contingent business interruption covers income losses caused by a disruption at a key supplier or customer — not just at your own facility. For manufacturers with concentrated supply chains, this coverage is increasingly important.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.