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Insurance for Manufacturers

Coverage built around the floor, the finished product, and the downtime that costs more than the machine did.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Why Manufacturers Choose Us

Insurance that keeps up with the floor

Manufacturing coverage has to follow the product and the process, not a schedule written three years ago.

Written for what you make.

Products and completed operations coverage set to the limits your buyers actually require.

Built around your process.

Coverage based on your equipment, your materials, and how the floor really runs.

Local help through the audit.

Schedules, values, and supply agreement certificates handled by a team you can reach.

Who We Work With

Built for manufacturers of all kinds

That same practical approach works across a wide range of processes, from small job shops to plants running multiple lines and shifts.
  • Metal & Machining
  • Metal Fabrication
  • Machine Shops
  • Electronics Assembly
  • Consumer & Food
  • Food & Beverage Production
  • Printing & Packaging
  • Materials & Millwork
  • Plastics & Composites
  • Wood Products & Millwork
  • Contract Manufacturing
Do not see your process? We insure many other manufacturing operations throughout Central and Upstate New York.

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The Manufacturing Program

Coverage manufacturers carry

Four coverages do the heavy lifting on nearly every manufacturing program. The rest get added as operations grow into them.

Core Coverage

Commercial property

Building, equipment, stock, and the income the floor generates.

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General & products liability

What you make, after it ships, at the limits your buyers require.

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Workers' compensation

Machine operators, material handlers, and your largest lever on cost.

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Commercial auto

Delivery trucks, yard equipment, and sales fleet.

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Additional Coverage

Environmental & pollution

Solvents, coatings, and discharge under permit.

Cyber liability

Production systems, customer data, and connected equipment.

Commercial umbrella

The limits national buyers write into supply agreements.

Inland marine

Goods in transit and equipment away from the plant.

Know Before You Ship

Make sure your coverage matches the agreement

Buyers and permits both set requirements, and either one can hold up a shipment if the coverage behind it does not match.
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Products liability and additional insured status.

Large buyers set limits, require additional insured status, and often ask for primary and noncontributory wording before the first purchase order.

Business income and equipment values.

Property limits set from outdated schedules leave the largest gap on most manufacturing programs, because downtime usually costs more than the machine.

Environmental obligations under permit.

Storage, discharge, and handling requirements under DEC permits create exposure that general liability excludes.

Need a certificate for a supply agreement? Call 315-598-6000 with the agreement details and required wording.

Understanding Your Premium

What actually moves your insurance cost

Manufacturing premiums are built from what you make and how you make it. The more accurately those details are represented, the easier it is to make sure you are paying for the right risk.
  • Your Operations

Operations and materials

What runs on the floor, and what it is made from, sets much of the rate.

  • Your People

Payroll and class codes

What operators actually do sets the workers' compensation base.

  • Your History

Claims and experience mod

Your loss record against manufacturers like you, carried between carriers.

  • Your Product

Type and distribution

Where the product ends up matters as much as what it is.

  • Your Property

Values and business income

Replacement cost on equipment plus what the floor earns while it is down.

  • Your Building

Construction and protection

Sprinklers, alarms, and building class move the property rate directly.

Before You Shop Carriers

A better premium often starts with better information.

We review classifications, equipment schedules, business income figures, product descriptions, and supply agreement requirements before assuming the answer is simply another carrier.

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Good To Know

Municipalities insurance FAQs

Quick answers to common questions from New York manufacturers.
At minimum: commercial property on building, equipment, and stock, general liability including products coverage, workers’ compensation and DBL, and commercial auto. Most manufacturers add business income, environmental, and the umbrella limits their buyers require.
Products and completed operations coverage sits inside the general liability policy, but the limits and any recall exposure need to be set deliberately rather than assumed.
It replaces the earnings you lose while the floor is down after a covered loss. For most manufacturers it is the largest number on the policy and the one most often set from a figure that is years old.
Premium follows what your people actually do. Codes set when the plant ran differently are one of the most common places we find money on a review.

Local To Your Community

Six offices across Central and Upstate New York

Local advisors understand the plants, the industrial parks, and the buyers your product ships to. Find guidance in your area:
Oswego County
Northern Oswego & Tug Hill
Oneida County
Syracuse & Onondaga County
Wayne County
Finger Lakes Region
Rochester & Monroe County
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY