Jun 10 2025 21:32

Manufacturer’s Professional —combines manufacturer’s E&O with optional cyber coverage

Why Manufacturers Need Professional Insurance

 

For decades, manufacturers have relied on general and product liability insurance to protect their operations. Professional liability was often seen as unnecessary, more relevant to professions like accountants or consultants. But as the manufacturing industry becomes more technologically advanced and service-driven, this perception is rapidly changing.

 

Why E&O is Becoming Essential for Manufacturers

 

Today’s manufacturers face a more complex risk landscape than ever before. With expanding services, tech-integrated products, and stricter contractual obligations, traditional coverage may no longer be enough. That’s where Manufacturer’s E&O insurance comes in. Unlike standard liability policies, E&O is designed to address third-party financial losses that can arise even when there’s no physical damage, just a failure in performance or delivery.

 

Despite common misconceptions, E&O isn’t just for advice-giving professionals. It’s built to protect against financial loss stemming from errors in design, production, and the increasingly intricate role manufacturers play in modern supply chains.

 

Key Features of Manufacturer’s E&O Coverage

 

• Comprehensive E&O Protection

      - Covers third-party financial losses if your product fails to perform as expected—whether due to a production flaw or a manufacturing error, human or technological.

• Technology Errors Coverage

      - As products and production processes become more tech-heavy, this covers failures tied to embedded software, automation, or system glitches that could lead to costly product defects.

• Coverage for Ancillary Services

      - If you provide value-added services—like design assistance, technical consulting, or product customization—this protects against liability tied to those services.

• Pollution Liability

      - Covers pollution-related losses that may arise from the use or failure of your manufactured product at third-party sites.

• Intellectual Property (IP) Rights Infringement

      - Whether you’re licensing patents or developing innovative tech, this offers protection against IP-related claims that can arise in today’s highly competitive manufacturing environment.

• Cyber, Privacy, and Cybercrime Protection

      - Manufacturers are prime targets for cyber-attacks due to their reliance on technology and vast data stores. This coverage addresses everything from ransomware and data breaches to business interruption.

• Global Legal Coverage

      - Includes legal defense for claims made anywhere in the world. Features full civil liability and reimbursement for costs related to attending court proceedings.

• Excess & Umbrella Liability

      - Need higher limits? This can sit above your primary coverage—either with us or layered on top of a third-party policy.

 

Coverage Limits:

 

• E&O Coverage: Up to $5,000,000

• Cyber Coverage: Up to $5,000,000

• No Revenue Threshold

 

Is E&O Right for Your Manufacturing Business?

If your manufacturing operations involve tech-driven products, complex service offerings, or global contracts, a tailored E&O policy isn’t just helpful—it’s critical. Protect your business from financial loss, legal risk, and evolving threats with a policy built for today’s industrial landscape.

 

Interested in learning more?

Contact us today to speak with a specialist or request a quote