Manufacturers
Explain processes, raw materials, machinery and finished-product end uses.
Manufacturing & Distribution insurance · For brokers
Follow the product. See the whole risk.
Product liability, standalone product recall and property options for manufacturers, importers and distributors—from the production floor to the customer.
Production · Products · Distribution
Available Products
Explore coverage options for the account’s operations, people, property and contractual needs.
Core Offerings
- Commercial Property
- General Liability
- Product Liability
- Standalone Product Recall
Supporting Lines
- Business Income
- Commercial Auto
- Equipment Breakdown
- Excess & Umbrella
- Inland Marine / Equipment
- Workers’ Compensation
Availability varies by operation, state and underwriting review. Products may be placed separately or together, depending on the account and market.
Different operations.
Different paths to placement.
Importers & brand owners
Identify manufacturing partners, contracts, territories and product responsibilities.
Distributors & wholesalers
Describe products, customers, storage and handling throughout distribution.
Consumer goods & components
Food, consumer products and component parts each need a product-liability and recall review.
Availability varies by operation, state and underwriting review.
More account and underwriting detail
Operations considered
- Manufacturers
- Distributors / wholesalers
- Importers
- Product businesses
- Selected online retailers
- Light industrial risks
Flag for closer review
- Product end use
- Imported components
- Third-party manufacturing
- Product claims / recalls
- Critical equipment dependencies
Products Liability
Describe what each product does, who uses it and your role in making, importing or distributing it. Product sales, testing, traceability and end-use information shape the review.
Across the supply chain
Property in transit, materials, suppliers and critical equipment can create exposures beyond the manufacturing floor.
Products, end use and role
Describe products and intended uses, your manufacturing/importing/distributing role and sales by product.
Process and materials
Explain production processes, materials, critical equipment and property values.
Quality and testing
Describe quality-control procedures, testing and traceability through manufacturing and distribution.
Recall controls
Explain recall procedures, complaints, prior recalls and related claims.
Supply-chain dependencies
Identify third-party manufacturers, suppliers, distribution territories and business-interruption dependencies.
People and loss history
Describe employee operations and provide current loss history across requested coverage lines.
See the whole account.
Products & recall
Product liability
Manufacturers, distributors, importers and online retailers: occurrence and claims-made options, including products-only coverage.
Liability limits
Options include $1 million occurrence / $2 million aggregate, subject to the selected policy form and underwriting.
Standalone product recall
Coverage for eligible manufacturers, importers and distributors, addressing covered recall expenses and selected financial losses. Options may include replacement costs, business interruption and brand rehabilitation.
Property & operations
Property & liability packages
Selected manufacturing and wholesale operations, with property, general liability and business-income options.
Equipment & supply chain
Review machinery, stock, critical suppliers and property in transit.
People & mobility
Consider workers’ compensation, commercial auto and excess liability alongside the core placement.
The placement desk
What happens when one link stops?
Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Discuss the details ↗A stronger submission starts here.
Start with what you have. We’ll identify what else is needed.
The account
- Named insured & effective date
- Operations & states of work
- Products, end uses, sales split & territories
- Quality controls, testing & traceability
- Property values & supply-chain concentration
The supporting detail
- Completed ACORD applications
- Required supplemental applications
- Currently valued loss runs
Distinguish what the applicant makes, imports, brands and distributes.
Additional preparation by coverage and operation
Start with these
- Named insured and business description
- Requested coverage / effective date
- Product list
- Manufacturer / distributor / importer / retailer role
- Annual sales
- Payroll
- Locations
- Current / prior insurance
- Currently valued loss history
Add when applicable
- ACORD 125
- ACORD 126
- ACORD 140
- Products Liability supplemental
- Revenue by product category
- Product brochures / website
- End-use descriptions
- Countries of manufacture / origin
- Distribution territories
- Third-party manufacturer details
- Vendor / supplier information
- Quality-control procedures
- Testing protocols
- Certificates of Analysis where applicable
- Recall plan
- Recall history
- Product claims history
- Property SOV
- Equipment schedule
- Business-income worksheet
- Vehicle schedule
- Cargo / transit information
- Existing underlying policies for excess
Placement notes
Explain what the product does
Describe intended use and end users in plain language, with supporting product literature.
Break out sales by product
Provide product categories, annual sales and distribution territories so the mix is clear.
Describe QA and recall controls
Explain testing, lot traceability, supplier oversight and the procedure for handling a product complaint or recall.
Applications & guides
Prepare the right details.
Confirm carrier supplements, ACORD editions and loss-run periods for the selected program. Blank ACORD and carrier forms are not distributed here.
Browse 9 coverage preparation guides
View guide: Commercial Property
Commercial Property · reference guide
Manufacturing & Distribution · Public preparation guide
Commercial Property
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Business Income
Business Income · reference guide
Manufacturing & Distribution · Public preparation guide
Business Income
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Equipment Breakdown
Equipment Breakdown · reference guide
Manufacturing & Distribution · Public preparation guide
Equipment Breakdown
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: General Liability
General Liability · reference guide
Manufacturing & Distribution · Public preparation guide
General Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Product Liability
Product Liability · reference guide
Manufacturing & Distribution · Public preparation guide
Product Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Excess & Umbrella
Excess & Umbrella · reference guide
Manufacturing & Distribution · Public preparation guide
Excess & Umbrella
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Workers’ Compensation
Workers’ Compensation · reference guide
Manufacturing & Distribution · Public preparation guide
Workers’ Compensation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Commercial Auto
Commercial Auto · reference guide
Manufacturing & Distribution · Public preparation guide
Commercial Auto
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Inland Marine / Equipment
Inland Marine / Equipment · reference guide
Manufacturing & Distribution · Public preparation guide
Inland Marine / Equipment
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Property, stock and machinery values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing, importing and distribution roles
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Key supplier and customer concentration
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Manufacturers
- Importers & brand owners
- Distributors & wholesalers
- Consumer goods & components
- Identify critical machinery, suppliers and customers. Explain testing, traceability and recovery plans. Standalone product recall is a separate coverage discussion from product liability or a limited product-withdrawal expense endorsement.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Manufacturing & Distribution preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
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