A production line that stops
A damaged machine or insured property loss can affect output, orders, and the time needed to restart. Discuss dependencies and realistic recovery periods.
ONTARIO INSURANCE / MANUFACTURING
Manufacturing insurance. Built around your production.
From raw materials to finished products, each stage brings different risks. Start with a clear picture of your processes, equipment, customers, and plans for growth.
Request a Commercial QuoteProtect what matters, plan for more.
01 / UNDERSTAND YOUR EXPOSURES
Start with how
your business works.
A practical insurance review begins with the details of your operations and the events that could interrupt them.
Products beyond your premises
Consider how your products are used, where they are sold, and the potential for allegations of injury or property damage after delivery.
Materials, stock, and specialist equipment
Replacement values, imported components, peak inventory, and equipment lead times can change the shape of a loss.
02 / COMMONLY CONSIDERED COVERAGES
Consider the pieces.
Understand the connections.
These are discussion points, not a package automatically included in a policy. Each option depends on your operations and insurer terms.
Commercial property
Discuss buildings, machinery, raw materials, work in progress, and finished stock, with values suited to your operations.
Coverage overviewEquipment breakdown
Consider sudden mechanical or electrical breakdown and the specific equipment insured. Routine wear and maintenance require separate attention.
Coverage overviewGeneral & product liability
Review third-party injury and property damage exposures linked to your operations and products, including territories and exclusions.
Coverage overviewBusiness interruption
Discuss income and extra-expense needs after a covered event, including policy triggers, waiting periods, limits, and recovery time.
Coverage overviewCommercial auto & transit
Consider business vehicles and goods moving between suppliers, facilities, and customers. Vehicle and cargo protection are separate questions.
Coverage overviewCyber exposures
Review digital systems, customer information, and production dependencies when discussing incident-response and cyber coverage.
Coverage overview03 / YOUR KIND OF BUSINESS
Different operations.
A thoughtful starting point.
Examples of businesses to discuss with Fortiva. Eligibility and available coverage are subject to underwriting.
- Metal fabrication & machining
- Plastics & component production
- Food & beverage production
- Furniture & wood products
- Assembly & light manufacturing
- Other manufacturing operations
04 / WHY WORK WITH AN INSURANCE BROKER?
Turn business details
into better questions.
A broker can help you describe your operations, understand available options, and review the terms that deserve attention.
Understand the operations
Bring a process summary, equipment and stock values, sales by product and territory, claims history, and any contracts that set insurance requirements.
Look beyond a coverage name
Compare limits, deductibles, conditions, and exclusions. Discuss the gaps between your business responsibilities and what a policy actually insures.
Keep the conversation current
Tell your broker about changes in activities, values, locations, products, or contracts so your insurance can be reviewed against the facts.
QUESTIONS, ANSWERED
A clearer view
of your insurance.
Start with the questions that matter to you. Your policy and circumstances always guide the details.
Does property insurance include machinery breakdown?
Do not assume so. Damage caused by a covered property event and an internal mechanical breakdown may be treated differently. Review the equipment, causes of loss, and any equipment-breakdown coverage in your policy.
Will business interruption cover every production stoppage?
No. It responds only when the policy’s trigger and conditions are met. A slowdown, supplier delay, or system outage is not automatically insured. Review the insured causes, dependencies, waiting periods, and indemnity period.
Is product recall the same as product liability?
No. Liability concerns certain claims by third parties; withdrawing or replacing a product can create different costs. Ask whether a separate recall solution is relevant and available for your products.
Do exports or sales into the United States matter?
Yes. Products, sales territories, contractual requirements, and applicable jurisdictions are important underwriting information. Disclose them before relying on a policy for those activities.
What helps a broker review my manufacturing insurance?
An accurate description of operations, values, safety practices, products, territories, and claims history is a useful starting point. Flag new machinery, processes, locations, or products so the review reflects your current business.
YOUR NEXT CONVERSATION / FORTIVA INSURANCE
Protect what matters.
Plan for more.
Let’s discuss your business, operations, and coverage priorities.