A deeper look at our segments: Manufacturing

Manufacturing thrives on consistency, care and smart processes. Our commercial property and casualty solutions are designed for well-managed manufacturing operations focusing on non-complex production exposures with strong risk management, maintenance procedures and proven operational resilience.
Appetite at a glance
Our appetite focuses on writing lower hazard manufacturing risks in the communities we support. We look closely at the end product—where it’s going and how it will be used.




Categories we will review


Key considerations





Light metal products
Printers or book binding
Slate milling, stone polishing, glass, cement and ceramics
Clothing and apparel
Furniture and household products
Non-critical operating parts
Established and fully protected wood products
Locally run food and beverage production




Product end use
Product distribution and revenue source(s) (CDN/USA/Foreign)
Specialized equipment
Building condition and other occupants
Sprinkler protection
Years in operation and any planned new products 
Guarantees, certifications, or warranties provided
Product recall procedures/documented quality control program





 
Specialized coverage considerations

Business interruption: Review the insured’s needs and ensure that the business interruption is aligned with the specialization of their operations. For manufacturing risks, assess the realistic timeframe required to resume operations following a loss.  Consider whether specialized equipment must be imported, custom‑built, or sourced from multiple suppliers, which may extend downtime. Evaluate whether equipment is readily available locally, generic in nature, or if the insured has access to a secondary location where production can be temporarily increased to mitigate interruption.
Product recall expense*: There may be a desire to cover expenses in the event of a product recall. Consider whether this adds value based on the type of manufacturing risk.
Production moulds and patterns coverage*: Part of our extended bundle, this coverage protects against loss or damage caused by an insured peril to critical production moulds and patterns essential to manufacturing operations, whether owned by the business or entrusted to it by others.

*Subject to the terms and conditions of the policy
Submission quality
High‑quality submissions help expedite underwriting and enhance the overall experience. Provide information that addresses the key considerations required for accurate risk assessment. Completing supporting questionnaires—such as the Gross Earnings Worksheet and Product Liability—ensures a clear understanding of revenue patterns, production cycles, and potential exposure. 
Real-world example: Why we wrote this account 

Client profile: Manufacturing of household appliances, ceramics and housewares
Established: 2005
Annual revenue: $1.7 million
Risk highlights:

Well-maintained, newer build, sprinklered premises with alarm systems in place
All products are CSA/ULC-listed
Documented quality control and product recall procedures in place
Low US sales revenue with all locations within Canada
Established company with continuous insurance coverage
Claims-free history


Why it was a fit:

Transparent quoting process with the broker
Solid industry experience
No gaps in coverage or non-payment
Quality of the risk allowed for competitive pricing