Commercial general liability
Commercial general liability for premises, operations, bodily injury, property damage, and other common liability exposures.
Manufacturers Insurance
Wholesale liability insurance for manufacturers and product risks
Greenwood General gives retail agents and brokers wholesale manufacturers insurance markets; Commercial General Liability, Products Liability, Products/Completed Operations, Product Recall, and Excess Liability built for a wide range of product exposures, subject to underwriting.
Manufacturers Insurance Program
Wholesale liability solutions for
manufacturers and product businesses
As a wholesale MGA, Greenwood General gives retail insurance agents and commercial brokers access to liability markets for manufacturers, processors, fabricators, assemblers, and other product-driven businesses. The program is focused on Commercial General Liability, Products Liability, Products/Completed Operations, Product Recall, and Excess Liability rather than commercial property. Explore all of our wholesale commercial insurance markets.
Common manufacturing classes considered
- Appliances and electronics
- Building and construction materials
- Clothing and textile products
- Food and beverage products
- Machine shops and metal processing
- Tools and sporting goods
Available Coverages
Liability coverage for manufacturing operations
Build the placement around the manufacturer's actual product exposure, contractual obligations, and required liability limits.
Products liability
Products liability coverage for bodily injury or property damage arising from products after they leave the insured's control.
Products/completed operations
Products/completed operations coverage for eligible manufacturing classes, tailored to the product and end use.
Product recall
Product recall options may be available for eligible recall-related expenses, subject to product type and underwriting.
Excess liability
Excess liability limits may be available over qualifying underlying General Liability or Products Liability coverage.
Products Liability Market
Commercial general liability and products/completed operations
A dedicated products liability market is available for eligible manufacturing classes with flexible deductibles, coverage enhancements, and A-rated, non-admitted carrier paper, subject to underwriting.
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$2,500 minimum premium for most classes
Minimum premium may vary based on class, sales, product type, limits, and loss history.
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$1M per occurrence / $2M aggregate
Standard liability limits for eligible products liability placements.
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Deductibles from $0 to $25,000
Deductible options depend on the product exposure and underwriting review.
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Additional coverage enhancements available
Enhancements may include Stop Gap Employers Liability and other account-specific options, subject to underwriting.
Classes Covered
Target manufacturing and product classes
The following are examples of classes that may be considered. Final eligibility depends on product use, sales, distribution, quality controls, and loss history — subject to underwriting.
Consumer and household products
- Appliances and electronics
- Clothing
- Household goods
- Sporting goods and related equipment
- Toys and games
- Tools and related equipment
Industrial and construction products
- Building and construction materials
- Machine shops
- Metal goods and processing
- Plumbing fixtures
- Electrical wire and cable
- Concrete, plaster, cement, and clay products
Food, beverage, and specialty products
- Food and beverage products
- Food processors
- Pet foods and toys
- Tobacco and e-cigarettes
- Extract manufacturers
- Other specialty product classes
Submission Requirements
What to submit for a manufacturers insurance quote
Complete product details and a clear sales breakdown are essential for Products Liability and Product Recall underwriting. A complete submission is the fastest path to a bindable quote.
Required and recommended documents
- ACORD 125 and 126 — Complete commercial and liability applications
- Manufacturers supplemental — Product, operations, and quality-control details
- Five-year loss runs — Currently valued
- Sales breakdown — By product, territory, and customer type
- Product literature — Website, brochures, labels, instructions, or specification sheets
- Quality-control procedures — Testing, inspection, traceability, and recall protocols
Manufacturers Insurance FAQ
Frequently asked questions
Straight answers to common broker questions about manufacturers, products liability, recall, and excess placements.
What manufacturing classes are eligible?
Eligible classes may include consumer and household products such as appliances, electronics, clothing, household goods, sporting goods, toys, and tools; industrial and construction products such as building materials, machine shops, metal goods, plumbing fixtures, and electrical wire and cable; and food, beverage, and specialty products such as food and beverage products, food processors, pet foods, and extract manufacturers. Final eligibility is subject to underwriting.
What coverages are available for manufacturers?
Available options may include Commercial General Liability, Products Liability, Products/Completed Operations, Product Recall, and Excess Liability. This program is focused on liability rather than commercial property.
Are contract and private label manufacturers eligible?
Contract manufacturers and private label manufacturers may be considered, subject to product details, end use, vendor agreements, distribution, and loss history, subject to underwriting.
What products liability limits are available?
The products liability market offers limits of $1,000,000 per occurrence and $2,000,000 aggregate. Excess Liability capacity may also be available over qualifying underlying coverage.
What is the minimum premium?
The dedicated products liability market has a minimum premium of $2,500 for most eligible classes, subject to class, sales, product type, limits, loss history, and underwriting.
What deductibles are available?
Deductibles ranging from $0 to $25,000 may be available, depending on the class, product exposure, and underwriting review.
Is Product Recall available?
Product Recall may be available for eligible products, subject to product type, quality-control practices, recall procedures, loss history, and underwriting.
Are imported products or foreign components acceptable?
Imported components and finished goods may be considered. Underwriting reviews the products manufactured, country of origin, distribution, and quality controls to determine market fit.
Are international or export sales acceptable?
Domestic and foreign distribution may be considered. Underwriting reviews sales territories and the split between domestic and foreign distribution, subject to underwriting.
Are coverage enhancements available?
Additional enhancements may be available, including Stop Gap Employers Liability and other account-specific options, subject to underwriting.
What information speeds up underwriting?
A complete product description and end use, a sales breakdown by product and territory, distribution details, quality-control and testing procedures, currently valued loss runs, and product literature help underwriting evaluate the risk faster.
Do brokers need to be appointed before submitting?
No. Retail agents and brokers may submit a manufacturing risk before completing an appointment with Greenwood General.
Ready to Place
Have a manufacturing risk ready to quote?
Send the submission for access to General Liability, Products Liability, Products/Completed Operations, Product Recall, and Excess Liability markets — or contact underwriting to confirm market fit.