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Maryland Manufacturing Insurance: Expert Protection for Your Business From The Allen Thomas Group
Maryland’s $26.41 billion manufacturing industry faces unique risks.
These risks require specialized insurance expertise.
At The Allen Thomas Group, we’ve spent 20+ years helping manufacturers across Maryland and 20+ states protect their operations with our “Smart & Easy” approach to manufacturing insurance, commercial property insurance, and comprehensive risk management.
Equipment breaks down. Costs soar. Product liability claims average $7.6 million.
We understand the challenges small-to-medium sized manufacturers face and provide personalized solutions that protect everything that matters to your business.
Let our commercial insurance agents help.
Table of Contents
We Provide Liability Insurance For The Following Maryland Manufacturing Types
Why Maryland Manufacturers Choose Specialized Insurance Protection
Generic coverage fails manufacturers.
Manufacturing insurance policies protect production equipment and business assets in ways that one-size-fits-all business insurance simply cannot match.
Unlike standard commercial coverage, manufacturing policies address the specific risks your industry faces every single day.
Maryland manufacturers reduce insurance costs through proper risk management – but only when working with experts who understand your unique exposures.
Key benefits include:
- Cost optimization with insurance ranging from 0.5% to 1.5% of annual revenue
- Superior protection tailored to manufacturing risks
- Expert guidance through complex coverage decisions
Rising costs hit hard.
Manufacturing rates increased 4.7% in 2022.
Our manufacturing insurance expertise helps Maryland’s 3,407+ manufacturing companies navigate these challenges while ensuring comprehensive protection for their operations.
Our Smart & Easy Manufacturing Insurance Process
Complex insurance becomes simple. We’ve streamlined manufacturing protection into four straightforward steps:
1. Risk Assessment & Understanding
We evaluate your specific manufacturing operations. From production equipment to product liability exposures, we understand your unique needs rather than applying generic solutions.
2. Market Comparison & Leverage
Options matter. Pricing matters more. Using our relationships across 20+ states, we compare coverage options and pricing from multiple carriers to find the best value for your specific manufacturing business.
3. Customized Coverage Design
We tailor your insurance program to address your specific risks. You won’t be underinsured. You won’t pay for unnecessary coverage. You get exactly what your business needs.
4. Ongoing Partnership & Support
Our Maryland Business Insurance experts evaluate manufacturing risks and recommend appropriate coverage as your business evolves. This means relationship-focused service. This means complex insurance stays simple.
Essential Manufacturing Insurance Coverage for Maryland Businesses
These common insurance policies cover most risks for manufacturers
Equipment Breakdown Insurance
Equipment fails. Operations stop. Equipment failures disrupt manufacturing operations and revenue streams more than any other risk. With equipment replacement costs rising and delivery times extending due to supply chain disruptions, equipment breakdown coverage becomes absolutely critical for survival.
Equipment breakdown coverage includes business interruption and extra expense protection, helping you maintain operations even when key machinery fails.
This coverage protects against:
- Power surges and electrical failures
- Mechanical breakdowns in production equipment
- Business interruption losses during repairs
- Extra expenses for temporary equipment rental
Product Liability Coverage
One defective product can destroy everything. The average product liability claim costs $7.6 million.
For any manufacturer, this coverage isn’t optional – it’s essential for survival. Product liability coverage protects against claims from:
- Defective products that cause injury or property damage
- Design flaws in manufactured goods
- Inadequate warnings or instructions
- Legal defense costs and settlements
Business Interruption Protection
Your operations stop. Your revenue stops. But your expenses? They continue relentlessly.
Business interruption insurance covers:
- Lost revenue during covered shutdowns
- Continuing expenses like payroll and rent
- Extra expenses to resume operations quickly
- Supply chain disruptions that affect your business
Workers Compensation Insurance & Safety Coverage
Maryland law demands it.
Maryland law requires workers compensation insurance for businesses with employees.
Maryland manufacturers require comprehensive risk management solutions that include:
- Medical expenses for workplace injuries
- Lost wage replacement for injured employees
- Return-to-work programs to reduce costs
- Safety training and risk reduction services
Cyber Liability Insurance Protection
Hackers target manufacturers. They know you can’t afford downtime.
Manufacturing businesses protect their operations with comprehensive insurance coverage that includes cyber protection.
Manufacturing shows the highest number of ransomware claims.
Cyber liability coverage addresses:
- Data breach response and notification
- Ransomware attacks and system recovery
- Business interruption from cyber incidents
- Third-party liability for customer data exposure
Why The Allen Thomas Group Stands Apart
Manufacturing Industry Specialization
Other agencies offer generic commercial insurance.
We focus specifically on manufacturing risks.
The Allen Thomas Group provides specialized manufacturing insurance expertise that comes from understanding your industry’s unique challenges, not just reading about them.
Local Maryland Knowledge + National Reach
Local expertise matters. National reach provides options.
We combine deep knowledge of Maryland’s manufacturing landscape with access to insurance markets across 20+ states.
This unique positioning means:
- Better coverage options through extensive carrier relationships
- Competitive pricing from multiple market access
- Local expertise with national insurance capabilities
“Smart & Easy” Personalized Approach
Insurance is complex. Our approach isn’t.
We work hard to get you the best coverage at the best price by simplifying complex insurance decisions.
Our approach focuses on:
- Building relationships and understanding your unique needs
- Personalized solutions rather than one-size-fits-all policies
- Clear communication that makes insurance decisions simple
20+ Years of Proven Experience
Experience teaches. Claims educate.
Decades of insurance industry experience mean we’ve seen every type of manufacturing claim and understand how to prevent them.
We find the best ways to protect you and your assets while keeping coverage affordable.
Maryland Manufacturing Industry Expertise
We understand Maryland’s diverse manufacturing landscape, including:
Top Manufacturing Sectors:
- Chemical Manufacturing (13% of Maryland manufacturing jobs)
- Electronics and Electrical Equipment (12% of manufacturing employment)
- Printing and Publishing (11% of the manufacturing workforce)
- Food Processing and Production
- Automotive Parts and Components
- Industrial Machinery and Equipment
Our experience across Maryland’s manufacturing sectors means we understand your specific risks and regulatory requirements, from Baltimore’s industrial areas to manufacturing centers throughout the state.
Manufacturing Based Insurance Solutions Customized For You
We know how frustrating and complex the process of finding the right manufacturing insurance can be and how it slows down your ability to take care of your customers.
Let us help assemble a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Carrier Partners
That allows us to find the best rates for your manufacturing business
Ready to Protect Your MD Manufacturing Business?
Inadequate insurance destroys businesses.
Don’t let it destroy yours.
We work hard to get you the best coverage at the best price through our “Smart & Easy” approach and 20+ years of manufacturing insurance expertise.
Contact our manufacturing insurance specialists today for a consultation that protects your Maryland business.
Get More Insights On Making The Right Insurance Decision For Your Maryland Manufacturing Company
How much does manufacturing insurance cost in Maryland?
Manufacturing insurance typically costs 0.5% to 1.5% of annual revenue. Small-to-medium manufacturers pay an average of 44 cents per $100 of insured value for property coverage. Costs depend on your manufacturing processes, equipment values, employee count, and risk management practices.
What manufacturing insurance is required in Maryland?
Maryland requires workers compensation insurance for all businesses with employees. Other coverage isn’t mandated. Most manufacturers need general liability, commercial property, product liability, and equipment breakdown insurance to protect their operations and meet customer requirements.
What happens if my manufacturing equipment breaks down?
Without equipment breakdown coverage, you pay everything out-of-pocket. Repairs cost thousands. Replacement equipment costs more. Lost revenue during downtime hurts most. This coverage pays for equipment repairs, business income losses, extra expenses for temporary equipment, and expedited shipping to minimize disruption.
Why should I work with a manufacturing insurance specialist?
Generic agents don’t understand manufacturing. Manufacturing specialists do. At The Allen Thomas Group, our 20+ years of experience and manufacturing industry focus means better coverage recommendations, competitive pricing, and claims advocacy that generic agents simply can’t provide.
Popular Cities in Maryland We Serve Manufacturers In
Annapolis
Aspen Hill
Baltimore
Bel Air North
Bel Air South
Bethesda
Bowie
Carney
Catonsville
Chillum
Clinton
College Park
Columbia
Dundalk
Eldersburg
Ellicott City
Essex
Frederick
Gaithersburg
Germantown
Glen Burnie
Hagerstown
Milford Mill
Montgomery Village
North Bethesda
Odenton
Olney
Owings Mills
Parkville
Pikesville
Potomac
Randallstown
Rockville
Salisbury
Severn
Severna Park
Silver Spring
Towson
Waldorf
Wheaton
Woodlawn
