Manufacturing & Wholesale Businesses Insurance
From product liability concerns to equipment breakdowns and shipping delays, manufacturers and wholesalers manage a wide range of risks. At Pelican Shield Insurance Group, we offer insurance solutions built for the unique exposures of manufacturing and distribution businesses in Florida and Virginia.
Protect Every Step of the Supply Chain
Manufacturing and wholesale businesses operate on tight schedules, specialized machinery, and multi-step logistics. A single disruption—whether it’s a machine failure or a vendor claim—can throw off production and impact profits.
At Pelican Shield Insurance Group, we help business owners in Florida and Virginia explore coverage that supports the complexity of their operations, whether you’re producing consumer goods, food products, parts, or distributing finished materials to retailers or clients.
Essential Insurance for Manufacturing & Wholesale Businesses
These businesses often need a combination of property, liability, and business interruption coverage. The right policy structure helps keep production lines running and protects your financial stability.
General Liability Insurance
Helps protect your business against third-party bodily injury, property damage, and legal costs that may result from manufacturing operations or site visits.
Product Liability Insurance
Covers claims if a manufactured product causes harm, injury, or financial loss after distribution—especially important for businesses producing goods for public use.
Commercial Property Insurance
Covers your facility, raw materials, equipment, and inventory from damage due to fire, theft, vandalism, or weather-related events.
Business Interruption Insurance
Helps replace lost income and cover expenses if your operation is forced to shut down temporarily after a covered event like a fire or equipment failure.
Equipment Breakdown Insurance
Covers the repair or replacement costs for key machinery and systems that power your production line.
Essential for businesses handling their own distribution—covers company vehicles used for product delivery or transport.
Why Manufacturers & Wholesalers Choose Pelican Shield Insurance Group
Support for Facility-Based Risks
We work with insurers who understand the physical, environmental, and operational risks that come with running a manufacturing or warehousing facility.
Help Meeting Vendor or Retailer Requirements
Many contracts require certain coverage types or liability limits—we assist in reviewing agreements and providing required certificates of insurance.
Multi-State Risk Awareness
Whether you’re operating out of Florida’s shipping hubs or distributing across the Mid-Atlantic, we understand how geography impacts your risk profile and policy needs.
Manufacturing & Wholesale Insurance FAQs
What kind of insurance do manufacturers and wholesalers need in Florida and Virginia?
At minimum, most operations carry general liability, property insurance, and workers’ comp (if they have employees). Many also add product liability, business interruption, and equipment breakdown coverage to fully protect operations.
What does product liability insurance cover in this industry?
It helps cover claims related to injuries, illness, or property damage caused by a product you manufacture or distribute. This is critical if your goods are resold, used in homes, or go to market.
Are floods or hurricanes covered for my facility in Florida?
Standard property policies often exclude flood or windstorm damage in Florida—especially in high-risk zones. We can help you explore options for wind and flood coverage specific to your facility’s location.
Can I insure raw materials and finished inventory?
Yes. Inventory coverage can be included in your commercial property policy and adjusted based on raw material, in-process goods, or finished product values.
What if I distribute goods across state lines?
If your business involves interstate shipping, you may need to consider auto liability, cargo coverage, or product liability exposure in multiple jurisdictions. We help review distribution risks to ensure your policy aligns with your reach.
