How General Liability Insurance Covers Day-to-Day Risks for Manufacturers

Manufacturing is a dynamic industry filled with moving parts, both literally and figuratively. From operating heavy machinery to managing supply chains and shipping finished goods, manufacturers face a wide range of risks every day. General liability insurance can play a crucial role in protecting manufacturers from the financial fallout of these risks, helping them maintain stability and focus on production.

What Does General Liability Insurance Cover?

At its core, general liability insurance offers coverage for third-party claims involving bodily injury, property damage, and personal or advertising injury.

One of the most common scenarios where general liability insurance proves invaluable is in the event of a visitor injury. For instance, if a client or vendor is injured—such as slipping and falling—while visiting a manufacturing facility, general liability insurance can help cover medical costs and legal expenses if a claim is filed. Likewise, if a manufacturer’s team accidentally causes damage to a customer’s property during delivery or installation, the policy may assist with the cost of repairs or replacement.

Product liability is another critical area. If a manufactured product causes harm or damage after it reaches the consumer, the manufacturer could be held liable. General liability insurance often includes product liability coverage, which can help cover the cost of legal defense, settlements or judgments. This is especially important in industries like automotive, electronics or food production, where product safety is paramount.

Additionally, general liability insurance can protect against advertising injuries, such as claims of copyright infringement or defamation in marketing materials. While this may seem less relevant to manufacturing, it’s increasingly important as companies expand their digital presence and branding efforts.

Ultimately, general liability coverage doesn’t eliminate risks, but it can mitigate their impact, preventing a single incident from derailing operations or threatening the company’s future.

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For general liability insurance near you, contact Oasis Insurance Agency, Inc..

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.