Let Auto-Owners take care of your insurance needs, so you can focus on providing your customers with quality products and outstanding service.

At Auto-Owners, we understand the manufacturing industry and we’ve assembled a unique set of insurance coverages tailored to the needs of manufacturers.

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business - find your local independent agent representing Auto-Owners today.

Machine in use

Manufacturers Plus Package

One package with five coverages designed specifically for manufacturers.

Machinery dropping boxes in a factory

Manufacturers Errors & Omissions

Damages from employee design errors, faulty workmanship and defective materials or products don't have to set you back.

Assembly line putting caps on bottles

Save With Multi-Policy Discounts

Save money when you choose Auto-Owners for your business, personal and life insurance!

Common Coverages

General Liability

Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.

Inland Marine

Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Auto

Covers vehicles you own and use for your business.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability policy.

Additional Coverages

Brands and Labels

Allows your customer to remove the labels or stamp “salvage” on merchandise after a loss. This helps protect your company and product reputation.

Business Interruption

After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.

Cyber Liability

In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.

Employment Practices Liability (EPL)

Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.

Equipment Breakdown

Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.

Manufacturers Consequential Loss

Covers the reduction in value to remaining parts of stock after a loss.

Manufacturers Errors & Omissions

Many general liability policies do not provide coverage for an error or defect in your product. Our Manufacturers Errors & Omissions insurance covers damages caused by: the use of defective materials or products, faulty workmanship and errors made by you or your employees in the design of your work.

Manufacturers Selling Price

Protects your company against the loss of profit, which otherwise would have been earned from the sale of the finished stock had it not been damaged in a loss.

Ways to Save

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent