Manufacturing · Wholesale · Distribution
Insurance for manufacturers and wholesalers in the GTA
Manufacturers and wholesalers carry risk in their buildings, stock, machinery and the products they ship. I build programs that protect each of those pieces and compare them across specialty markets.
Who we insure
- Food processors
- Metal fabricators
- Plastics
- Packaging
- Importers
- Distributors
- Furniture makers
- Printers
Coverage for manufacturing & wholesale
Property and equipment
Covers your building, stock, tools and equipment against insured perils such as fire and theft, after deductibles.
Product liability
Responds to claims that a product you made or sold caused injury or damage.
Equipment breakdown
Covers sudden mechanical or electrical breakdown of machinery and resulting loss of income.
Stock and transit
Protects goods in storage and while being shipped, within limits.
Business interruption
Helps replace lost income and pay ongoing expenses after an insured loss forces you to close temporarily.
Product recall
Optional coverage for costs of recalling a defective product.
FAQ
Questions I hear often
Does my property policy cover machinery breakdown?
Usually not. Equipment breakdown is typically a separate coverage or endorsement.
Do I need product liability if I only distribute?
Yes. Distributors and importers can be named in product claims even if they did not manufacture the item.
Is my stock covered while it is being shipped?
Only if you have transit or cargo coverage. Check who is responsible under your shipping terms.
What if a supplier shuts down?
Contingent business interruption can respond in some cases. It is an optional coverage worth discussing.