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A factory floor lined with CNC machining equipment and a production line under skylights

Commercial Insurance ·

Manufacturing

Manufacturing Insurance Built for Western PA's Industrial Economy

Specialized coverage for the exposures that define your operation, from the plant floor to the supply chain.

If you run a manufacturing business, you already know a generalist broker doesn't cut it.

Simpson | McCrady brings dedicated manufacturing insurance expertise to middle-market manufacturers across Pittsburgh, Western Pennsylvania, and the Mid-Atlantic region, and this page was built specifically for you.

Explore the Coverage Program

Why This Requires Expertise

Manufacturing Risk Is Not a Standard Risk

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For manufacturers in Pittsburgh and across Western Pennsylvania (whether you produce advanced industrial components, fabricated metals, food products, or specialty equipment), your risk profile is categorically more complex than what a standard commercial policy is built to handle. You're managing significant property and equipment valuations, workers' compensation exposures on the production floor, product liability that follows your goods across the entire distribution chain, and a growing layer of cyber risk tied directly to operational technology. A single coverage gap in any of these areas can produce a loss that threatens the business itself.

Simpson | McCrady has placed coverage for privately owned manufacturers at exactly this level of complexity for more than 100 years, managing more than $20 billion in insured assets across our commercial and private client base. We understand the Western PA industrial economy: its sectors, its regulatory environment, and the carriers with genuine appetite for manufacturing risk. When you work with our commercial team, you get an advisor who reads your operation the way a risk manager does and goes to market the way an independent broker should.

That combination, sector-specific fluency and independent carrier access, is what separates a Simpson | McCrady relationship from the experience you'll find at a national aggregator or a transactional agency. We built this practice for manufacturers like you.

What We Cover

Coverage Built for Every Dimension of Manufacturing Risk

Product Liability Insurance

Protects your business if a product you manufacture causes bodily injury or property damage after it leaves your facility, covering defense costs, settlements, and judgments across the distribution chain.

Workers' Compensation for Manufacturers

Covers medical expenses and lost wages for employees injured on the job, with experience-mod strategies and loss control programs designed for the elevated hazard environments of plant and production floor operations.

Property & Equipment Coverage

Insures your building, machinery, raw materials, and finished goods inventory against fire, theft, equipment failure, and other perils, with valuations that reflect the true replacement cost of complex industrial assets.

Equipment Breakdown Insurance

Addresses the gap standard property policies leave open: sudden and accidental mechanical or electrical breakdown of boilers, production equipment, and control systems, including the lost income and spoilage that follow an unplanned shutdown.

Business Interruption for Manufacturing Operations

Replaces lost revenue and covers ongoing operating expenses when a covered loss forces a shutdown or production slowdown, structured to reflect actual manufacturing output, not a generic revenue estimate.

Environmental Liability Insurance

Covers cleanup costs, third-party claims, and regulatory penalties arising from pollution conditions, on-site or off-site, that are common exposures in manufacturing, finishing, and chemical processing operations.

Cyber Insurance for Operational Technology

Addresses the growing intersection of IT and OT risk in manufacturing environments, covering ransomware, production system outages, data breaches, and the operational downtime a cyber incident can trigger on the plant floor.

Commercial Auto & Fleet

Insures vehicles used to transport goods, materials, or employees, including owned, hired, and non-owned auto exposures that accompany distribution and delivery operations connected to manufacturing.

Umbrella & Excess Liability

Extends the limits of your underlying liability policies (general, auto, and employers' liability), providing the additional protection layer that high-exposure manufacturing operations require when a single incident exceeds primary limits.

Supply Chain & Contingent Business Interruption

Covers revenue losses triggered not by damage to your own facility, but by a covered loss at a key supplier or customer, a critical exposure for manufacturers operating inside just-in-time production models.

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Our Approach

An Independent Advocate, Not a Checkbox Broker

Most manufacturing companies don't need more insurance options. They need someone who can navigate those options on their behalf, identify which carriers have genuine appetite for their risk class, and structure a program that doesn't leave gaps where they can least afford them. That is exactly what Simpson | McCrady's independent brokerage model delivers.

We begin every manufacturing engagement with a thorough risk assessment, one that goes well beyond reviewing your existing declarations page. We examine your operations, your supply chain dependencies, your equipment schedules, your claims history, and the regulatory environment specific to your industry and geography. That foundation lets us go to market across multiple carriers and negotiate coverage terms that reflect your actual risk profile, not a template built for a different kind of business.

Through the full policy lifecycle, we stay engaged as your advocate. When a claim arises, we work alongside you, not alongside the carrier. When your operations change, we reassess. When the market shifts, we renegotiate. For middle-market manufacturers across the Pittsburgh region and Western Pennsylvania, companies carrying significant assets and genuinely complex exposures, that ongoing advisory relationship is what separates a risk program that protects the business you've built from insurance that simply exists on paper.

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Firm Credentials

The Depth Behind Your Coverage

100+
Years in Business
$20B+
In Insured Assets
5,000+
Clients Served
Regional
Focus: Pittsburgh, Western PA & Mid-Atlantic

Speak with a Trusted Advisor

Speak With an Advisor

Manufacturing

Coverage Specialist

One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.

Prefer to call? 412-261-2222 · info@simpson-mccrady.com

Prefer to talk? 412-261-2222

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