General Liability Insurance

General Liability Insurance for Manufacturing Businesses

Commercial general liability (CGL) insurance is the foundation of any manufacturing business insurance program. It protects your company from a wide range of third-party claims — on your premises, from your operations, and from your products.

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What Does General Liability Cover for Manufacturers?

A commercial general liability policy provides three major coverages that manufacturers need:

Bodily Injury & Property Damage

Covers claims for physical injury to third parties or damage to their property arising from your manufacturing premises or operations.

Personal & Advertising Injury

Covers claims of libel, slander, copyright infringement, and false advertising — protecting against reputational claims.

Medical Payments

Pays for immediate medical expenses for people injured on your premises, regardless of fault — preventing small injuries from becoming big lawsuits.

CGL Policy Structure for Manufacturers

Standard CGL policies for manufacturers include several separate coverage limits:

$2,000,000
Typical Limit
General Aggregate
Maximum the policy pays for all claims during the policy period
$2,000,000
Typical Limit
Products-Completed Operations Aggregate
Separate aggregate for product liability and completed operations claims
$1,000,000
Typical Limit
Each Occurrence
Maximum per single claim or accident
$1,000,000
Typical Limit
Personal & Advertising Injury
Per occurrence for advertising and personal injury claims
$5,000–$10,000
Typical Limit
Medical Payments
Per person for immediate medical payments

Additional Coverages for Manufacturers

Many manufacturers add endorsements to their CGL policy to address specific exposures:

Additional insured endorsements for customers and distributors
Waiver of subrogation for key contracts
Primary and non-contributory language for major accounts
Blanket additional insured endorsement
Employee benefits liability
Stop gap/employer's liability

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Comprehensive CGL coverage for your manufacturing business. Free quotes in 24 hours.

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