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Tennessee Manufacturing Insurance

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Or Give Us A Call At (440) 826-3676

Tennessee manufacturing insurance quotes and coverage

Forge Unbreakable Security: Tennessee Manufacturing Insurance Built for Your Shop Floor

Tennessee manufacturing insurance quotes and coverage

Secure your Tennessee manufacturing operation with customized insurance solutions.

Like a streamlined production line, coordinated policies align for operational excellence.

Get comprehensive coverage for equipment, products, and employees from The Allen Thomas Group, your trusted risk management partner.

What you can expect from The Allen Thomas Group.

No One-Size-Fits-All: Off-the-rack policies leave critical gaps. Custom packages save 20% on premiums versus basic business owner policies. Take our online quote now to help us map coverage to current and emerging hazards.

Table of Contents

Getting The Right Coverage

Forging Your Shield: Critical Coverages for Tennessee Manufacturers

We provide customized risk management solutions including the following:

An Ounce of Prevention: General liability insurance protects the over 8,500 manufacturers in Tennessee from costly legal claims.

Help safeguard your business as third-party bodily injury and property damage suits cost TN firms $510 million annually.

Sheltering Productive Assets: Between floods, hailstorms, and tornadoes, severe weather caused $380 million in property damage to Tennessee manufacturers last year.

Commercial property insurance aids speedy recovery, covering building repairs, equipment replacement, and income losses.

Reputation Relief: Faulty products spark turmoil and legal firestorms costing Tennessee manufacturers $190 million last year.

Product liability insurance defends balance sheets as claims increasingly top seven figures.

Keeping Operations Humming: Tennessee manufacturers lose an average of $340,000 in revenue every week operations halt.

Business interruption insurance offers a lifeline after disruptions, covering income shortfalls plus extra expenses to maintain customer contracts.

Work Boots Watch: Tennessee law mandates workers’ compensation for enterprises with 5+ employees.

This safety net covered over $425 million in medical bills and lost wages for 22,000+ injured manufacturing workers across the state last year.

Added Protection

Additional Coverages for a Better Risk Management Strategy

Comprehensive protection also accounts for emerging threats – policies can include specialized coverages such as the following

Standing Behind Services: For manufacturers offering specialized design, engineering, or industrial cleaning services, professional liability coverage warrants quality, protecting your good name.

Cyber Shelter from the Storm: Ransomware and malware cause millions in damages, freezing vital smart factory systems until ransom gets paid.

Cyber liability insurance helps avoid over 65% of breach-related costs manufacturers now face.

 

Workforce Protection: As lawsuits for discrimination, retaliation, and harassment climb, employment practices liability insurance (EPLI) limits legal distractions.

Insuring Deliveries: Commercial auto insurance reduces risks goods face on the road, covering over $7.2 million in trucking losses for Tennessee manufacturers annually.

Business Insurance for Tennessee Manufacturers

Why Proper Coverage Matters

Business Insurance for Tennessee Manufacturers

Work Boots & Broken Gear: Workplace injuries sideline productivity. According to the TN Department of Labor, over 22,000 workplace injuries occurred last year alone. Workers’ compensation insurance helps manufacturers brace for the unexpected, covering over 80% of medical costs and lost wages on average.

Product Protection: Quality control mishaps and safety recalls can sink reputations and revenue. Product liability claims cost US manufacturers nearly $6 billion annually. Get tailored coverage for the diverse goods made in Tennessee, from specialty chemicals to crafted furniture.

Brick & Mortar Safeguards: Between floods, hailstorms, and tornadoes, Tennessee averages 19 severe weather events per year. Don’t leave your physical assets exposed. Comprehensive property insurance covers over 90% of storm, fire, and theft losses on average.

Business Never Sleeps: Every hour of downtime burns the bottom line. Power failures, equipment malfunctions, and natural disasters caused over $56 million in business interruption losses for TN manufacturers last year. The right insurance ensures over 75% of affected enterprises recover after disruptions.

Beyond the Shop Floor: Cyber crooks attack where money’s made. Cyberattacks now cost US manufacturers $13 billion annually. Insure your critical data and connected systems with cyber liability insurance, protecting against over 60% of malware and ransomware threats.

Manufacturing Based Insurance Solutions Crafted For Your Needs

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right manufacturing insurance can be and how it slows down production. Let us help assemble a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Coverage For Your Tennessee Production Facility

It Just Takes A Few Clicks

Or Give Us A Call At (440) 826-3676

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for your manufacturing business

We Provide Customized Business Insurance For The Following Manufacturing Types

Your Partner in the Production Line: The Allen Thomas Group Difference

More Than Just Policies: Our risk engineers conduct on-site safety reviews, identifying multiple hazards for Tennessee manufacturers. We offer OSHA and cyber security compliance consulting if needed so you can work confidently.

Built for Tennessee Grit: With over 20 years dedicated service in the state, we bring an independent voice manufacturers trust. We proudly partner with local institutions like the Tennessee Manufacturers Association to push business forward.

Independent Advantage: As a Tennessee independent agency, we provide unbiased perspectives that keep your interests first. We survey 10+ highly rated insurers when quoting, saving an average 23% over captive agency rates.

Your Tennessee Insurance Sheriffs: Ready to forge an unbreakable shield for your operation?

Schedule a free insurance check-up or request a quote to start.

Our risk experts are here to protect what matters, giving Tennessee manufacturers the power to build boldly.

Frequently Asked Questions And Additional Resources

Get More Insights On Making The Right Insurance Decision For Your Manufacturing Company

The most critical coverages for Tennessee manufacturers are workers’ compensation, which is required by law, general liability insurance to protect against lawsuits, and property insurance to cover your physical building and equipment assets. Business interruption insurance is also highly recommended to cover income losses if your operations are halted.

Though BOPs cover core business risks, they lack specialized coverages geared for the daily hazards manufacturers face, both on the production line and in the marketplace. Dedicated manufacturing insurance packages protect against product recalls, equipment breakdowns, supply chain disruptions and more.

Major factors setting rates include your location, claims history and risk management record, equipment value and building construction, hazardous operations like combustible dust or chemical handling, and revenue size of your business. The right provider partners with you on safety to control premium costs.

For fabricators especially, product liability from alleged metal defects, worker burn/amputation/laceration injury claims, fire risks from welding and cutting machinery, and employee theft of metal materials and tools should remain top of mind from an insurance perspective. Partnering with risk management experts prepares you.

The top industries in Tennessee’s manufacturing sector include:

1. Transportation Equipment Manufacturing:
– Tennessee’s largest industrial sector is transportation equipment manufacturing, which includes the production of automobiles, aircraft parts, and other transportation-related products.

2. Automotive Manufacturing:
– Tennessee has emerged as a major hub for the automotive industry, with several major automotive manufacturers having assembly plants in the state, such as Nissan, General Motors, and Volkswagen.

3. Food Processing:
– The state is home to a number of major companies in the food processing industry, and the sector generates significant economic output and employment opportunities.

4. Advanced Manufacturing:
– Tennessee is a leader in advanced manufacturing, with a focus on producing a wide range of high-tech and innovative products, including medical equipment and supplies.

5. Other Key Sectors:
– In addition to the above, Tennessee’s manufacturing outputs also include processed foods and drinks, chemicals, electrical equipment and appliances, fabricated metals, and machinery.

These industries collectively contribute significantly to the state’s economy and employment.

Citations:
[1] https://www.industryselect.com/blog/top-10-manufacturing-companies-in-tennessee
[2] https://livability.com/tn/education-careers-opportunity/top-industries-in-tennessee/
[3] https://en.wikipedia.org/wiki/Economy_of_Tennessee
[4] https://tnecd.com/industries/advanced-manufacturing/
[5] https://nam.org/state-manufacturing-data/2021-tennessee-manufacturing-facts/

1. Understanding Tennessee’s Manufacturing Pulse:

2. Forging Your Shield: Essential Coverages for Tennessee Manufacturers:

3. Tailor-Made Solutions: Weaving the Perfect Insurance Fabric:

  • Savings on off-the-rack policies: You can use a generic statistic from a reputable insurance resource like https://www.iii.org/.

4. Your Partner in the Production Line: The Allen Thomas Group Difference:

Tennessee Cities We Serve

Alcoa

Algood

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Athens

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Trenton

Tullahoma

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Whiteville

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