Industry
Commercial risk consulting for mid-market manufacturers.
We pressure-test property values, business interruption math, product liability wording, and workers’ comp class codes for plant operators, fabricators, food and beverage, and distribution. Then we coordinate placement through Rush Insurance.
Overview
What’s distinctive here
Manufacturing programs live or die on three things: property values that reflect replacement cost (not book), a business interruption worksheet that holds up under audit, and a products schedule that tracks what you actually make today. Most renewals we inherit are out of date on at least one.
Add captive eligibility, ITC and credit timing on capex, and the way carriers underwrite combustible dust, ammonia, lithium-ion battery storage, and aging electrical, and you have a program that needs a working broker’s eye every renewal.
Risk scenarios
Where we see the loss show up.
Sole-source supplier goes dark
A regional metals fabricator with three plants and 200 employees runs a single-source extruder out of Ohio. Sublimits on dependent property and contingent business interruption are $250k each. A two-week outage triggers a $1.4M loss. The wording controls the recovery; the schedule controls whether the supplier was even named.
Product recall and contamination
A food and beverage co-packer with private-label exposure is told by a major retailer to pull product. CGL responds to bodily injury claims; recall expense, third-party recall, and contamination response sit on a separate product recall policy or endorsement. Without it, the retailer chargebacks land on the balance sheet.
Equipment breakdown that cascades
A 40-year-old transformer at a plastics plant fails. Property carrier denies the claim as wear-and-tear. Equipment breakdown coverage, properly scheduled, pays the repair plus the resulting BI. Carriers differ on whether boiler and machinery sits inside the property form or as a stand-alone, and on the deductible structure for production loss.
OCIP and CCIP wrap-ups for capital projects
A manufacturer building a new distribution center is asked to enroll in the GC’s CCIP. Existing GL and workers’ comp must coordinate; off-site exposures, completed-operations tail, and residual GL gaps need to be reviewed before the first shovel.
Process change, environmental exposure
A coatings change introduces a new VOC profile. Pollution Legal Liability and the contractors pollution endorsement on the GL are reviewed against the new MSDS, the storage footprint, and any underground or above-ground tanks. Skipping the review is how a $10k change becomes a $2M cleanup.
Catastrophe exposure at distribution facilities
A southeastern distribution facility carries $80M in inventory through hurricane season. Wind deductibles, named-storm provisions, and the difference between blanket and scheduled limits get pressure-tested before the binder, not after the loss.
Coverage lines
What we typically review
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Property & Casualty →
Building, contents, BI, equipment breakdown, and the schedule of locations.
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Workers’ Compensation →
Class code accuracy, experience mod review, and return-to-work program structure.
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Commercial Auto & Fleet →
Hired and non-owned, MCS-90 where applicable, and umbrella attachment over auto.
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Cyber Liability →
OT and ICS exposure, ransomware-driven BI, and dependent system failure.
Placement
How placement works
Vetted Risk consults. Rush Insurance is the licensed placement partner and binds coverage with carriers. Vetted Risk is not licensed to sell, solicit, or negotiate insurance, and receives no commission, override, or contingent compensation tied to placement.
Next step
Send us your last renewal and a list of locations.
We respond within one business day with a working agenda, not a sales pitch.