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Coverage Built for Your Production

Manufacturers Insurance

From small specialty shops to large-scale plants, manufacturing businesses face unique risks that require more than a standard policy. Johannes Agency provides manufacturers insurance designed to protect property, equipment, employees, and supply chains. We’ve supported Minnesota manufacturers and beyond for more than 33 years with coverage that keeps production moving.

What’s Included in Manufacturers Insurance Coverage

Manufacturers insurance packages combine multiple protections into one comprehensive plan. Coverage typically includes:

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General Liability

Covers claims of injury or property damage from products or operations.

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Product Liability

Protects against claims arising from defective products or goods.

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Commercial Property

Insurance for buildings, machinery, tools, and raw materials.

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Commercial Auto

Covers trucks, vans, and vehicles used in shipping or distribution.

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Business Interruption Insurance

Helps replace lost income if operations are shut down by a covered loss.

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Equipment Breakdown Coverage

Protection against losses from critical machinery failure.

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Workers’ Compensation

Provides medical and wage protection for employees injured on the job.

Industries and Operations We Protect

Johannes Agency works with manufacturers across West Central Minnesota and beyond, offering coverage designed for:

  • Metal Fabrication

    Shops producing parts, tools, and machinery.

  • Food Processing

    Facilities handling preparation, packaging, and distribution.

  • Plastics & Components

    Operations supplying raw or finished goods.

  • Woodworking & Furniture

    Plants crafting cabinetry, furniture, or specialty items.

  • Distribution & Warehousing

    Storage and transport risks tied to supply chains.

Manufacturers Insurance FAQs

Here are answers to common questions Minnesota manufacturers ask about insurance:

  • Why is product liability insurance so important?

    Even if your product is carefully made, accidents can happen. Product liability insurance protects against lawsuits and financial losses tied to injuries or damages caused by your goods, whether you’re producing parts or finished products.

  • Does property insurance cover machinery breakdowns?

    Standard property insurance typically covers damage from fire, storms, or theft, but not equipment breakdowns. Adding equipment breakdown coverage ensures vital machines are protected against electrical failure, mechanical issues, or operator error.

  • What happens if my production line shuts down?

    Business interruption insurance can help cover lost income and operating expenses while your facility is being repaired after a covered event. This allows you to keep paying employees and meet financial obligations during downtime.

  • Can small manufacturers get affordable coverage?

    Yes. We work with businesses of every size, from small specialty shops to larger plants. Policies can be scaled to match your risk level and budget, ensuring smaller operations aren’t overinsured or overlooked.

  • Do I need commercial auto insurance for delivery vehicles?

    Yes. If your business owns or operates vehicles for shipping or distribution, commercial auto insurance is necessary to cover accidents, liability, and property damage.