Frequently Asked Insurance Questions for the Manufacturing and Logistics Industry

Manufacturing and logistics companies face unique risks that can impact everything from daily operations to long-term growth. The right insurance coverage can help protect your business from unexpected losses, but it’s not always clear which policies are essential or how they work. The following are some common questions companies in Rancho Cucamonga, CA often ask about insurance for their industry.

What Types of Insurance Are Important for Manufacturing and Logistics?

Depending on the size and scope of your business, you may need multiple policies to address different risks. Common options include:

• General liability—This may help cover claims of bodily injury or property damage caused to others.

• Commercial property—This may financially protect buildings, equipment and inventory against losses from fire, theft or certain natural disasters.

• Workers’ compensation—This coverage may pay for medical expenses and lost wages if an employee is injured on the job.

• Commercial auto—This may be necessary if you use vehicles to transport goods, materials or staff.

How Does Product Liability Coverage Work?

Product liability insurance may help if a product you manufacture or distribute causes injury or property damage. This could include design flaws, manufacturing defects or improper labeling. Product liability can be especially important in the manufacturing and logistics industry because issues in one part of the supply chain can have wide-reaching consequences. Coverage may be part of general liability insurance, and it often includes legal defense costs, settlements and judgments.

Are There Policies That Address Supply-chain Disruptions?

Certain policies, such as contingent business interruption insurance, may help offset losses if a key supplier or customer experiences a disruption that affects your operations. This type of coverage can be valuable for logistics and manufacturing businesses that depend heavily on timely deliveries and consistent supply.

If you operate in the manufacturing or logistics sector, Foothill Insurance Agency can help you review your current coverage and identify gaps. Contact us today to discuss a plan that supports your operations and long-term goals.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.