Manufacturing operations are complex, fast-moving, and highly dependent on consistency and performance. At Morris & Garritano, our team brings a deeper understanding of how manufacturing risks are evaluated, helping clients secure coverage that reflects the realities of their operations.
Manufacturing spans a wide range of operations, from consumer goods and apparel to specialized components and engineered products. While these businesses serve different markets, many face similar exposures. Product liability, equipment breakdown, supply chain disruption, and cyber threats can all create costly interruptions if not properly managed.
We help you identify these risks and build insurance programs that support operational continuity and reduce disruption. Our advisors understand how manufacturing operations are evaluated and how factors like product end use can influence coverage decisions. Leveraging our strong carrier partnerships, we position your business to access the right markets and achieve more stable, consistent coverage aligned with how your operations actually run.
Food & Consumable Goods
Food, beverage, and supplement manufacturers operate under strict regulatory oversight where product integrity is critical. We support these businesses with coverage strategies that align with safety standards, quality control practices, and recall planning to help maintain compliant, uninterrupted operations.
Consumer Products
From apparel and wearables to household goods, consumer product manufacturers rely on efficient supply chains to move products to market. We help these companies address liability, inventory, and transit exposures and align their coverage with how products move from production to market.
Industrial & Engineered
For manufacturers producing specialized components and engineered products, performance expectations and end use drive the majority of the risk. Our team works closely with these clients to structure coverage around design responsibility, production processes, and the contractual and operational demands tied to their work.
Comprehensive Coverage
From production to distribution, we build insurance programs that protect every stage of your manufacturing operation.
- Business Interruption
- Commercial Auto & Fleet
- Contingent Business Interruption
- Cyber Liability
- Employee Benefits
- Environmental Liability
- Foreign Liability
- Impaired Property
- Intellectual Property
- Manufacturer’s Errors & Omissions
- Product Recall & Contaminated Products
- Property & Equipment Breakdown
- Spoilage
- Stock Throughput
- Workers’ Compensation
Customized Services
We go beyond the policy to support the operational realities of manufacturing, helping you reduce risk, improve insurability, and make informed decisions as your business evolves.
- Access to Specialized Manufacturing Markets
- Business Continuity Planning
- Carrier Positioning & Underwriting Strategy
- Equipment & Property Risk Assessment
- Fleet Management
- Inventory Valuation
- Product Recall Preparedness
- Quality Control & Manufacturing Practices
- Safety & Workers’ Compensation Programs
Specialized Lines of Coverage
Product Liability & Recall
Helps protect manufacturers from financial loss when products fail, cause injury, or require removal from the market.
Property & Equipment Breakdown
Supports recovery when critical machinery fails, minimizing downtime and helping restore production as quickly as possible.
Stock Throughput
Protects materials and finished goods across production, storage, and transit, aligning coverage with how inventory actually moves.
Manufacturers Errors & Omissions
Addresses exposures tied to design, specifications, or product performance for manufacturers involved in engineering or product development.
Environmental Liability
Provides protection for pollution events and environmental impacts associated with manufacturing processes and materials.
Cyber Liability
Supports response to cyber incidents that disrupt operations, compromise systems, or impact connected manufacturing environments.
Specialized Services
Workers’ Compensation Claims Analysis
Workers’ compensation claims can have a lasting impact on experience modification factors and overall insurance costs. We help manufacturers analyze claim trends, identify cost drivers, and uncover opportunities for improvement. Through data-driven insights and proactive claim management strategies, we help support workforce recovery and long-term cost control.
Safety & Risk Control
Manufacturing environments present unique workplace hazards that can impact employee safety, productivity, and insurance costs. Our Safety & Risk Control team helps identify exposures, strengthen safety programs, and support compliance through practical guidance focused on areas such as material handling, ergonomics, machine safety, lockout/tagout procedures, and fleet operations.
Employee Benefits
Attracting and retaining skilled employees is critical in today’s manufacturing workforce. Our Employee Benefits team helps design competitive benefits programs that balance employee needs with business objectives. From healthcare and wellness programs to compliance support and benefits strategy, we help manufacturers strengthen their workforce and support organizational growth.
What “covered” should feel like.
Client Successes
Case study
$14,170 in Returned Premium Due to Xmod Recalculation
Behind every workers’ compensation claim is an opportunity to protect your bottom line. See how Morris & Garritano’s claims experts uncovered an experience modification error and helped a client recover $14,170 in returned premium – without any additional work or stress for the client.
What Our Clients Have to Say
The collaboration team I work with on a regular basis is fantastic. They are consistently attentive, clear in their communication around deadlines and options, and always operate with transparency.
Year after year, M&G makes the lives of us HR folks easier and easier. From the initial reach out, meeting, video to share with employees and availability for questions – Ben was extremely helpful. From that point, Theresa was so communicative throughout the process – helpful in making sure a few of our new hires didn’t fall through the cracks of OE, assisted with questions along the way, extended our OE window as needed and provided support with a few employee questions. As I have said for many years, the support we get from M&G goes above and beyond.
Your Manufacturing Team
At Morris & Garritano, our service team is dedicated to providing you with unparalleled support and expertise every step of the way. From the moment you partner with us, you can expect personalized attention, proactive communication, and access to a wealth of resources tailored to your needs.
Our team is available to assist you whenever you need us, whether it’s answering questions, navigating complex insurance matters, or providing guidance on risk management strategies.
