Manufacturers Insurance – PA


Our manufacturing insurance program is designed to meet the specific needs of manufacturers

For nearly 100 years we have been providing Central Pennsylvania businesses and manufacturers with top-quality insurance programs, money-saving ideas, and general risk management services.  We will design a manufacturing insurance program that is specifically tailored to protect your manufacturing operation from the negative financial impacts that come from lawsuits, injured workers and property damages.

Balancing insurance costs and level of coverage

As a manufacturer, you understand calculated risk. Designing a well-balanced manufacturer’s insurance program also involves your retaining some risk. Our goal is to work with you to help determine how much risk you are interested in retaining and how much you need to transfer to your insurance program. Certainly large risk categories that could put you out of business need to be insured. However, there are many areas that may need partial insurance or no insurance at all and other areas that you may decide to subcontract out and avoid the risk altogether.

Multiple insurance companies competing for your manufacturing insurance business

We work with most of the top insurance companies that have competitive manufacturing insurance programs. After working with you to design a program that meets your needs, we will shop the insurance portion with multiple insurance companies to find you the best coverage/pricing combination in the marketplace. Once we receive proposals back from the insurance companies, we will put together a proposal in a simplified design that allows you to compare the top few proposals.

Coverage for manufacturers

Commercial property insurance

  • Replacement cost or actual cash values
  • Blanket coverage
  • Products completed but not sold coverage
  • Selling price option
  • Equipment breakdown
  • Off premises utility failures

Manufacturer’s General Liability insurance

  • Premise and operations liability
  • Products completed operations
  • Personal injury and advertising injury
  • Product recall
  • Environmental impairment

Commercial auto insurance

  • State and federal filings
  • Fleet coverage discounts
  • Hired and non-owned auto


  • Workers compensation
  • Commercial umbrella/excess liability
  • Employment practices liability
  • Directors and officers liability
  • Bonding

Having a properly designed manufacturers insurance program is a critical component to the long-term success of your organization. Don’t wait any longer. Call (717) 367-5126 today to speak to one of the professionals at Hornafius insurance agency or Request a Quote now.

We look forward to working with you!