Manufacturer Insurance in California

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The U.S. manufacturing industry relies heavily on California, which produces 14.5% of the nation's manufacturing output. In 2021, California's manufacturing sector generated $394.83 billion, a figure that is expected to rise in the coming years.


However, manufacturers in California face many risks that can have a significant impact on their businesses. To mitigate these risks and protect their operations, they must carry adequate insurance coverage.


We Are a Trusted Insurance Agency for Manufacturers in California


Western Insurance Marketing Corporation has worked with California manufacturers since 1963 to help them find the right insurance solutions for their businesses. We understand the unique challenges faced by manufacturers and have a team of experienced agents who can deliver comprehensive coverage tailored specifically to your needs. 


When you work with us, you can expect:


  • An analysis of your current insurance policies to identify any gaps in coverage.
  • Advice on the most suitable types and amounts of insurance for your business.
  • Customized policy options from leading California providers.
  • Regular reviews of your policies to ensure they are up-to-date with changes in legislation or other developments.
  • Ongoing support and guidance to help you make informed decisions about your insurance coverage.


Contact us today to get started with a review of your insurance!

Who Needs Manufacturers' Contractors Insurance in California?



Every manufacturer in California needs to secure the right insurance coverage for their operation. This includes but is not limited to:


  • Tool and Die Shops
  • Fabrications/Metal Stamping Facilities
  • Machine Shops/Machined Part Manufacturers
  • Aerospace & Defense Contractors
  • Electronic & Electrical Manufacturing
  • Automotive Parts and Assembly
  • Printing, Packaging & Labeling
  • Food Processing/Beverage Manufacturing
  • Medical Device Manufacturers
  • Plastics & Rubber Manufacturing
  • Shipping/Warehouse Facilities
  • Textiles and Apparel Manufacturers
  • Furniture and Home Décor Manufacturers
  • Chemical Processing Companies
  • Logging or Lumber Companies


You may also need manufacturing insurance if you are a subcontractor or supplier to any of the above industries.

Commercial Property Insurance for California Manufacturers


California manufacturers face various risks every day. These risks can lead to significant losses Commercial property insurance helps protect manufacturers from various risks such as fires, theft, and severe weather events. This type of insurance ensures that manufacturers can continue their business operations without worrying about unexpected property damage or loss.


It covers your building, equipment, inventory, and any other assets that you might have in your facility. With commercial property insurance, you can have peace of mind knowing that your business is protected against any unforeseeable incidents that may lead to huge financial losses. It's a smart investment for any manufacturer who wants to protect their operations, employees, and financial assets.

General Liability Insurance


General liability insurance is another important form of insurance for manufacturers. It helps protect your business in case you are accused of causing bodily injury or property damage to someone else. It covers:


  • Bodily Injury/Property Damage Liability - claims for financial losses if someone is injured or their property is damaged as a result of your business operations or products.
  • Personal Injury Liability - legal costs if you are accused of slander, libel, wrongful eviction, and other personal injury offenses.
  • Advertising Injury Liability - legal costs associated with copyright infringement, and other advertising-related offenses.
  • Medical Expenses Liability - medical expenses for an injured person if you are found liable for the incident.
  • Products/Completed Operations Liability - legal costs if a product or completed operation causes injury or property damage.


Sometimes, general liability policies are bundled with other forms of coverage such as professional indemnity, errors & omissions insurance, and more. It is important to review your policy carefully in order to make sure that you are covered for the risks that are most relevant to your business.

Workers' Compensation Insurance


Workers’ compensation insurance is essential for any manufacturer in California. It helps cover financial losses due to workplace accidents and injuries suffered by employees while on the job. This type of insurance provides the following benefits:


  • Medical care – medical expenses associated with treatment for an injury or illness related to work activities.
  • Lost wages – compensation for lost wages due to temporary disability.
  • Permanent disability benefits – financial help with medical bills and expenses if the employee is permanently disabled as a result of their injury or illness.
  • Death benefits – coverage for funeral costs, as well as financial support for surviving family members of the deceased.
  • Vocational rehabilitation – assistance with retraining and job placement.
  • Reimbursement for travel expenses – reimbursement of costs associated with medical appointments related to the injury or illness.
  • Repatriation benefits – coverage for costs associated with returning an injured employee home after treatment abroad.
  • Contribution to pension funds – coverage for contributions to employer-sponsored retirement plans.
  • Additional payments – extra payment for severe disabilities caused by the injury or illness.
  • Pain and suffering benefits – limited financial help for pain and emotional trauma associated with a workplace injury or illness.


Having workers’ compensation insurance ensures that your employees are taken care of if they suffer an injury or illness related to their job duties. It is important for any manufacturer in California to make sure that they have the proper coverage in place to protect their team and business operations.

Machinery and Equipment Insurance


This type of insurance helps cover the costs associated with repairing or replacing machinery and equipment used in manufacturing operations. It covers both physical damage caused by accidents, as well as breakdowns due to normal wear and tear. This coverage can include:


  • Replacement cost coverage – allows you to replace lost or damaged equipment with new items of similar quality and specifications.
  • Parts coverage – covers the cost of parts needed to repair or replace damaged equipment.
  • Rentals coverage – helps cover rental costs if you need to rent machinery or equipment while your own is being repaired or replaced.
  • Installation and assembly coverage – covers costs associated with installing, assembling, and testing new equipment.
  • Loss of business income – helps cover lost income due to downtime caused by an unexpected event or accident.


Having machinery and equipment insurance in place will help protect your business from costly repair bills, as well as the disruption caused by breakdowns or other mishaps.

Product Liability Insurance


Product liability insurance helps protect manufacturers from claims related to their products or services. It covers legal costs, settlements, and judgments if a customer is injured by an item produced by your business. This coverage can include:


  • Court costs – reimbursement for legal fees associated with defending against lawsuits.
  • Settlements – help cover the cost of settlements reached with customers.
  • Judgments – financial help with judgments awarded in cases related to your products or services.


Having product liability insurance is essential for any manufacturer in California, as it can provide much-needed financial protection from claims that could put your business at risk.

Commercial Auto Insurance


If your California manufacturing business uses vehicles for transporting goods, you need to have commercial car insurance in place. This coverage will protect your business from the costs associated with accidents and other mishaps involving company-owned vehicles. It can cover vehicle repair costs, medical bills, and other expenses related to an accident.


The minimum required coverage for commercial vehicles in California is liability insurance, which covers third-party expenses such as property damage and medical bills. Additional coverage options may also be available, depending on your provider. These can include uninsured/underinsured motorist coverage, personal injury protection, and more.

Cyber Insurance


A single data breach can have a devastating effect on any business, and manufacturers are no exception. Cyber insurance helps protect your company from the costs associated with a data breach or other cyber attack, including legal fees, damages, customer notification expenses, and more.



Having cybersecurity insurance in place ensures that your manufacturing operations will be protected if you ever fall victim to a data breach or other cyber attack. It can provide peace of mind and much-needed financial protection in the event that confidential customer information is compromised.

Ways To Lower Your Insurance Costs


  • Shop around – compare quotes from multiple providers to find the best rates.
  • Bundle policies – combine different types of coverage to take advantage of discounts.
  • Raise deductibles – increasing your deductible can lower your premiums, but it also increases the amount you'd have to pay in an incident.
  • Improve safety measures – implement safety protocols and other precautions to reduce risks and help lower insurance costs. These include things like installing security cameras, implementing fire safety protocols, and training employees on proper handling of machinery.
  • Review coverage regularly – review your policy every year to ensure you have the right amount of protection for your business.

Get The Best Rates on California Manufacturer's Insurance


Western Insurance specializes in helping businesses like yours get the best rates on California manufacturer's insurance. With our comprehensive range of policies, you can rest assured that your business is protected from the financial risks associated with unexpected events or accidents. Contact us today for a free quote and to learn more about how we can help protect your manufacturing operations.

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