Manufacturing Insurance in Wisconsin | MM Insurance Associates

Frequently Asked Questions

What insurance does a Wisconsin manufacturer need?

Wisconsin manufacturers typically need commercial property, general liability, product liability, workers compensation, commercial auto, equipment breakdown coverage, and often pollution liability and umbrella policies.

What is product liability insurance for manufacturers?

Product liability insurance covers claims alleging that a product you manufactured caused bodily injury or property damage. Even if the claim is unfounded, this coverage pays for legal defense and any settlements.

How much does manufacturing insurance cost in Wisconsin?

Manufacturing insurance costs vary widely based on your products, revenue, number of employees, facility size, and claims history. Typical annual premiums range from $5,000 to $50,000+ depending on operations.

Does equipment breakdown coverage differ from commercial property?

Yes. Standard commercial property policies often exclude mechanical or electrical equipment breakdown. Equipment breakdown coverage fills that gap, covering repair or replacement costs when machinery fails due to mechanical or electrical causes.

What is pollution liability insurance for manufacturers?

Pollution liability insurance covers cleanup costs and third-party claims arising from pollution events at your manufacturing facility. This includes chemical spills, emissions, and contamination that standard liability policies typically exclude.