Manufacturing Insurance in Louisiana
Protecting Louisiana manufacturers with specialized coverage that understands production risks, product liability, equipment breakdown, and the critical importance of business continuity.
We serve manufacturing businesses across Louisiana, from New Orleans to Shreveport and everywhere in between.
Top Risks Manufacturing Businesses Face in Louisiana
Manufacturing businesses in Louisiana face unique challenges that require specialized insurance protection. Understanding these risks is the first step toward comprehensive coverage that protects your business, employees, and livelihood.
Product liability claims if manufactured goods cause injury or damage
Equipment breakdown halting production and causing revenue loss
Property damage to expensive manufacturing equipment and facilities
Business interruption when production stops due to equipment failure or disasters
Supply chain disruptions affecting raw materials and finished goods
Workplace injuries from heavy machinery and manufacturing processes
Coverage Designed for Manufacturing
The right insurance coverage addresses the specific risks your manufacturing business faces. Here's how each recommended coverage protects you from the challenges unique to your industry.
Comprehensive coverage designed for manufacturing operations, including product liability, equipment protection, and business interruption tailored for production facilities.
Essential protection if products you manufacture cause injury or damage. Covers legal defense, settlements, and judgments from product-related claims.
Covers expensive manufacturing equipment failures that halt production, including repair costs and business interruption from equipment downtime.
Protects manufacturing facilities, production equipment, raw materials, work-in-process, and finished goods inventory from fire, storms, and other perils.
Replaces lost revenue when production stops due to equipment failure, disasters, or supply chain disruptions, ensuring you can pay expenses during downtime.
Required in Louisiana and protects manufacturing employees from workplace injuries while protecting you from costly injury lawsuits.
How Watley Insurance Group Supports Manufacturing
As a Louisiana-based commercial insurance agency, we understand the unique challenges manufacturing businesses face in our state. We're not just insurance agents—we're your partners in protecting what you've built.
We Learn How Your Manufacturing Operation Works
Before recommending coverage, we take time to understand your specific operations, risks, and goals. This deep understanding ensures your policy addresses your actual exposures, not just generic industry risks.
We Shop Multiple Carriers Who Understand Your Industry
We work with insurance carriers that specialize in manufacturing coverage. By comparing multiple options, we find you the best combination of coverage and price from carriers who understand your industry's unique needs.
We Help You Manage Certificates, Changes, and Claims
Your relationship with us doesn't end at the sale. We help with certificates of insurance, policy changes, claims support, and ongoing risk management. When you need help, you'll talk to someone who knows your business.
Real-World Situations Where Coverage Matters
These scenarios illustrate how the right insurance coverage protects manufacturing businesses when unexpected events occur.
Equipment Breakdown Halts Production
A critical piece of manufacturing equipment failed, halting production for three weeks. Equipment Breakdown coverage covered repair costs, while Business Interruption coverage replaced lost revenue and helped pay expenses during the downtime.
Product Liability Claim from Defective Goods
A manufacturer faced a lawsuit when a product they produced caused property damage. Product Liability coverage handled legal defense and settlement, protecting the manufacturer from financial devastation while maintaining their reputation.
Hurricane Damage to Manufacturing Facility
A hurricane damaged a manufacturing facility, destroying equipment and halting production for two months. Commercial Property coverage covered repairs and equipment replacement, while Business Interruption coverage helped with lost revenue during recovery.
Manufacturing Insurance FAQs
Do manufacturers need Product Liability insurance?
Yes. If you manufacture products, you can be held liable if those products cause injury or damage. Product Liability coverage is essential protection against claims that could result in millions in damages, even if you believe your products are safe.
What is Equipment Breakdown insurance and why is it important?
Equipment Breakdown insurance covers the cost of repairing or replacing failed manufacturing equipment, including business interruption coverage for lost revenue during downtime. This is crucial for manufacturers who rely on expensive equipment that could halt production if it fails.
How does Business Interruption help manufacturers?
When equipment failures, disasters, or supply chain disruptions halt production, Business Interruption coverage replaces lost revenue and helps pay expenses during downtime. This prevents financial collapse and ensures you can resume operations after recovery.
What insurance protects manufacturing equipment and inventory?
Commercial Property insurance covers manufacturing facilities, production equipment, raw materials, work-in-process, and finished goods inventory from fire, storms, theft, and other perils. This is essential protection for the valuable assets that enable production.
Is Workers' Compensation required for manufacturing employees?
Yes, Louisiana requires Workers' Compensation for most businesses with employees. For manufacturers, this is critical given the high risk of workplace injuries from heavy machinery, manufacturing processes, and equipment. It protects both employees and your business.
Get Coverage for Your Manufacturing Business
Tell us a little about your operation and a Louisiana-based agent from Watley Insurance Group will follow up with options tailored to your industry.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445