Manufacturing insurance

The 21st century factory gets smarter every day by building products with the world’s most sophisticated equipment and by running complex software. Help protect your manufacturing business while keeping it competitive in Canada and abroad. 

Why Zurich? 

Manufacturers turn to Zurich professionals and our comprehensive suite of products and services that help protect investments and mitigate risks. Our practical and proactive risk management solutions and responsive claims handling offer solutions to help you protect your people, assets, products and processes.

Manufacturing solutions 

  • Property and casualty

    Staying competitive in the manufacturing industry means investments in technology, equipment and processes — all of which require substantial capital investment. Increase production and sustain growth with confidence by protecting your business’s assets.

    Zurich’s suite of commercial policy wordings, Zurich Protect®, offers coverages that can be tailored to our manufacturing customers’ needs. It features over 35 additional coverage options, including:  

    • Boiler, machinery and equipment breakdown: Includes coverage without the need for a separate policy to cover business-critical machines and equipment. For qualifying customers, combined property equipment breakdown deductibles available
    • Transit floater: Physical loss or damage to goods in transit by aircraft, railroad car, motor vehicle operated by either you or a carrier for hire or parcel post shipment, as long as the origination or destination is within the coverage territory
    • Selling price on finished stock: Covers for the selling price of finished stock

    > Learn more about Zurich's property and casualty coverage 

  • Manufacturing advantage

    Manufacturing advantage is Zurich’s customized insurance solution for manufacturers designed to enhance our base Zurich Protect® coverage. It consists of five primary property and liability coverages designed to address the specific risks of manufacturers, combined into one convenient package.

    Manufacturing and processing

    • Customizable property coverage extensions for specific manufacturing and processing risks, including delayed business income, fluctuating raw stock values and precious stones, alloys or metals

    • Manufacturers’ error and omissions liability

    • Provides financial loss coverage in the event a manufacturer’s product fails to perform the function for which it was designed
    • Automatic limits up to $50,000 with higher limits available

    Enhanced pollution liability

    • Covers on-site and off-site bodily injury and property damage resulting from a pollution event
    • Includes coverage for aboveground storage tanks and off-site clean-up costs attributable to any pollutants migrating off a covered location
    • Coverage for sudden and accidental or gradual seepage on a claims-made and reported basis during the policy period
    • Automatic limits up to $50,000 with higher limits available

      Limited product withdrawal expense

    • Limit up to $50,000
    • Coverage insures the expenses incurred in recalling the product
    • Product recall must be necessary as determined by the Named Insured or an authorized government entity
    • Covered expense must be the result of a product recall or product tampering
    • Expenses covered may include:
      • Cost of notification
      • Stationery, envelopes and postage
      • Computer time
      • Hiring of independent contractors or temporary employees
      • Transportation
      • Shipping and/or packaging
      • Warehouse and/or storage space
      • Disposable costs


    • Property damage coverage resulting from a covered terrorism event, included with the manufacturing advantage package
    • Automatic limits up to $100,000 with higher limits available
    • Liability coverage resulting from a covered terrorism event can be added on with limits up to $2 million

    * Coverages stated above are subject to qualifying and to the terms and conditions of the policy language.

    > Learn more about Zurich’s manufacturing advantage 
  • Supply chain
    Zurich’s supply chain coverage is designed to protect mid-sized and large customer organizations from a loss of output or gross profit. Whether it’s supplier insolvency, transport failures, production recalls or physical damage, Zurich offers coverage that extends through various levels of the supply chain.

    Supply chain risk assessment 

    Supply chain failure is rapidly becoming one of the key exposures for organizations but the potential risks are often overlooked. An unforeseen event at a supplier can have catastrophic impacts on a business.

    Zurich's supply chain risk assessment helps customers understand and quantify the potential loss and extra recovery expenses from the disruption of suppliers. It also offers insight into critical supplier exposures, and gives recommendations that may help mitigate the negative impacts that are likely to result from a supplier disruption. 

    > Learn more about Zurich’s supply chain protection policy

  • Manufacturers' errors and omissions
    Errors and omissions (E&O) insurance extends beyond general liability coverage. It is intended to help protect manufacturers for financial losses in the event their product or work fails to perform its intended or warranted function when it does not cause any bodily injury or property damage, or both. Whether a part or ingredient requires a rework or a recall, E&O policies reduce the gap in coverage to help protect your business from this potentially significant financial risk.
  • Environmental
    Zurich’s Z Choice™ policy offers a fixed facility environmental program that allows qualified customers to select among core coverages for clean-up costs, bodily injury, property damage or natural resource damages. Environmental solutions can be combined with a suite of optional coverages, including business interruption, mould, transportation of materials and financial assurance.

    > Learn more about Z Choice™

  • International
    Zurich offers global expertise and coverages that span more than 200 countries and territories. Customize the insurance protection your global manufacturing business needs wherever it operates. Coverages include all of the following:

    • Property
    • General liability
    • Foreign voluntary workers' compensation
    • Excess auto 

      > Learn more about Zurich’s international solutions

    • Management liability
      Management liabilities can affect your business by interrupting leadership operations and business development. Understand and manage the risks that could negatively impact your business. Zurich specialists can help you assess risk potentials and customize an integrated approach to protecting your company’s management. Management liability coverages include all of the following:

      • Directors & officers (D&O): Offers insurance protection to an organization’s directors and officers following claims of management oversight when acting individually or on behalf of a group. D&O liabilities often arise surrounding employee dismissals, shareholder grievances and major management decisions
      • Employment practices liability: Provides coverage for claims made by, or on behalf of, employees for a wrongful employment act, including allegations of wrongful termination or treatment, discrimination against any protected classes and harassment
      • Fiduciary: Helps protect those with fiduciary responsibilities when the poor performance of a plan or a downturn in the stock market becomes the foundation of litigation by employees and retirees
      • Crime: Provides coverage for loss of money, securities or inventory resulting from crime which includes employee dishonesty, embezzlement, forgery, robbery, safe burglary, computer fraud, wire transfer fraud, counterfeiting and other criminal acts