Manufacturers E&O Coverage

Most manufacturers purchase general liability and products liability coverage to protect them from losses if their products or services cause bodily injury or property damage. However, the failure of a defective product could cause only financial damage to a customer. In such an event, many manufacturers would not have coverage under their existing insurance programs.

• A machine shop fabricates a part for a customer working on a tight deadline in order to provide a specific product. As the customer receives the parts and starts installing them, they realize they are not to their exact specs and cannot be used. As a result, the customer cannot provide the goods on time and loses the contract. The customer sues the machine shop to recoup their financial loss.
• A conveyor belt manufacturer produces a new belt for their customer who installs it on their conveyor belt system. However, when the system is started, the new belt fails, causing the production line to shut down. No bodily injury or property damage occurs but the production line is out of action for a week resulting in lost business. The customer sues to recoup their financial loss.

Trinity E&S can provide E&O insurance for manufacturing companies, filling the above coverage gaps left by traditional general liability and product liability insurance.

• Manufacturing firms up to $250mm revenues.
• Most manufacturers of simple replicated products (e.g. stone, metal, glass, electric, machinery) can be considered.

• Coverage for wrongful acts arising out of manufacturing services by the insured
• Pollution liability coverage
• Multimedia and advertising coverage
• Computer network and privacy liability coverage
• Reputation management reimbursement - up to $30,000 per policy period.
• Limits up to $5,000,000
• $5,000 Minimum Premium

Manufacturers E&O