Manufacturing insurance, placed across 5 carriers.

Premium depends on payroll, sales, NCCI class codes, state, ex-mod factor, products being made, and loss history. A 25-employee metal stamper in Ohio quotes very differently than a 25-employee food processor in California. We build a real exposure profile before submitting, so the first quote is closer to the bound number — actual cost is subject to underwriting and policy terms.

A typical commercial manufacturing program includes Workers Compensation, Product Liability with products-completed-operations, General Liability, Equipment Breakdown, Inland Marine, Cyber Liability, and Commercial Auto if you ship. Some carriers will package these as a single program; others want them on separate policies for limit-stacking reasons.

WC premium is rate-per-$100-of-payroll multiplied by your ex-mod, and the rate comes straight from the NCCI class code assigned to each employee group. Splitting payroll correctly between manufacturing class codes (e.g., 3632 machine shop vs. 3076 fabricated metal) and clerical (8810) often moves premium 15-30 percent without changing anything about the operation. Misclassification on the original application is the most common reason manufacturing premium gets re-rated mid-term.

Property covers external causes of loss — fire, wind, theft, water damage. Equipment breakdown covers internal causes — mechanical failure, electrical arcing, boiler explosion, motor burnout. A press that grenades itself in the middle of a run is an equipment breakdown loss, not a property loss, and a stock property policy will deny the claim. Both are needed in a manufacturing program.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical mid-market commercial brokerage. That is an average, not a guarantee for any specific account.

Yes — a Broker of Record letter moves the agency-of-record on your existing policy without disturbing the carrier relationship or the policy term. We can serve as a fee-based broker on legacy carriers where commission scale would otherwise be high, or shop the renewal against the panel when it expires. Both paths preserve continuity.