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Manufacturing Insurance

Big or small, one line or many, if you make something or assemble something you are a manufacturing company and as such you have special risks and exposures that need to be addressed and you should have manufacturing insurance in Calgary. The risks associated with each manufacturing company are unique to the products and processes involved in the manufacturing, assembling and processing of the products.

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Calgary Manufacturing Insurance

What is Manufacturers Business Insurance?

Calgary manufacturing insurance is a type of commercial insurance designed to protect those with manufacturing operations from paying out of pocket for sudden or unexpected costs such as legal defense fees, legal settlements, medical bills, property damage mitigation and much more, depending on the specific terms of your policy. It's a form of risk management that is critically important for manufacturing companies. In the unfortunate event that something goes wrong, such as a third-party bodily injury, massive equipment failure or product recall, you need to know that you will be able to get help to recover from financial losses and get your business up and running again, or keep it in operation.

Who Should Have Calgary Manufacturing Insurance?

Any company operating in the manufacturing industry needs comprehensive manufacturing insurance. Calgary, AB businesses that require manufacturers business insurance can range from massive fabrication plants to small, independent food or beverage manufacturers such as craft breweries. There's such a wide range of products that can be manufactured, and such a wide variety of methods and techniques that can be used to accomplish the manufacturing process, so Calgary manufacturing insurance is a broad category that applies to many different types of fabrication and manufacturing businesses.

Subcategories of Calgary Manufacturing Insurance Include:

  • Food Business Insurance
  • Machine Shop Insurance
  • Apparel Manufacturing Insurance
  • Wood Shop Insurance
  • Electronic Equipment Manufacturing Insurance
  • Furniture Manufacturing Insurance

However, it's worth keeping in mind that this list is far from exhaustive. You could be manufacturing cosmetics, toys, household goods or numerous other possibilities, but regardless of what you're making, you need to be covered by a comprehensive Calgary manufacturing insurance policy. The expert brokers at Krywolt Insurance have the expertise to find the right options to meet the particular needs of your unique business.

What Sort of Calgary Manufacturing Insurance Should You Consider?

We work with Calgary manufacturing companies of all descriptions to ensure their business, their inventory, their machinery, their finished products and raw materials are all protected. As all manufacturing companies are different, so too are the options for insurance required to ensure your business is protected with the right manufacturing insurance for your business.

Commercial General Liability

All business insurance in Calgary needs to include basic commercial liability coverage, which is intended to help business owners cover costs related to personal harm, third-party bodily injury and third-party property damage. For example, say a client comes into your business facility to retrieve products and drops a heavy box on their foot, causing an injury such as broken toes. They could choose to sue you to recover medical expenses, which can be partially or completely covered by commercial general liability insurance. Or, maybe you rent your manufacturing facility and there's an incident that results in costly damage to the building. Your landlord could sue you to recover the costs of repairing the damage or replacing destroyed items and building components. Without adequate Calgary manufacturing insurance that includes commercial general liability, you'll have to pay those costly fees out of pocket, along with legal defense expenses.

Pollution Legal Liability Insurance

Generally speaking, the manufacturing process involves the use of chemicals, solvents, food substances, fuel and more that have the potential to cause environmental harm. If you operate out of a fixed site facility, it's important to have pollution legal liability. This type of insurance for manufacturers in Calgary covers both sudden events such as a chemical spill and gradual events such as a slow leak that is allowing contaminants to seep into groundwater. You'll receive funds to help with clean-up costs, property damage, bodily injury claims and more that are related to the polluting incident. It can also apply to legal defense costs if legal action is brought against you in relation to the polluting event.

Cargo Insurance

Shipping cargo is an integral part of most manufacturing operations, whether you need to move massive pallets of goods halfway around the world or are just bringing a few boxes to a local restaurant or retail store. As we all know, there's a lot that could happen between your cargo loading bay and the final destination. Cargo insurance is a necessary addition to your Calgary manufacturing insurance because it offers protection against financial losses incurred when cargo is damaged or goes missing.

There are two main categories of cargo insurance: inland and marine. As the name suggests, inland cargo insurance applies to goods that are being transported over land via truck or train. However, most standard inland policies exclude goods that are crossing a border and it's mainly intended for domestic deliveries within Canada. Marine cargo insurance, on the other hand, covers shipments that are being moved across water via ship or airplane. That includes a much wider range of perils, including risks such as sinking, ship collisions, piracy, loading and unloading damage and other potential circumstances. Cargo insurance differs from freight insurance in that cargo insurance protects the shipper, or owner of the cargo, while freight insurance protects the carrier or freight forwarder.

Product Liability Insurance

When your products or goods leave Calgary and go out into the world and reach the end user, sometimes there are unforeseen complications that can lead to damage or injury. What if you produced an edible product but failed to label it correctly with all included ingredients and some consumers suffered severe allergic reactions? Or what if you designed and manufactured a toy that caused injury to a few children who played with it? Product liability insurance covers scenarios like that where your product has caused or is alleged to have caused third-party bodily injury or third-party property damage. Product liability insurance could be used to cover expenses such as legal defense fees, and should you be successfully sued, legal settlement costs.

Product Recall Insurance

In the examples of possible product liability claims above, and in dozens of other potential scenarios, it's not enough to just pay settlements to those who bring legal action against you. You also need to recall the faulty or hazardous products so they can't cause any further injury or damage. Or, you may have a product that has not resulted in lawsuits, but you're being forced to recall it by regulatory bodies who detected a compliance violation in how the product was designed, manufactured, labelled, packaged or marketed. Product recall insurance is a part of Calgary manufacturing insurance that provides financial assistance dealing with the costs associated with a product recall, such as the logistics of getting the product back and rehabilitating it if possible, along with the financial loss of the contaminated or non-compliant products.

Commercial Property Insurance

Whether you run a major manufacturing plant in Calgary or you're an artisan who is hand-manufacturing goods in your garage, it's important to have commercial property insurance. In the manufacturing industry, your facility and equipment are of the utmost importance to your success. Commercial property coverage is essential to a Calgary manufacturing insurance policy because it gives you the peace of mind that comes with knowing you won't be on your own to cover expenses for property damage caused by factors like fire, theft and natural disasters. What exactly is covered depends on the type of policy you have—all-risks or named perils—and the risks that are included or excluded in your specific policy. It's important to speak with your Krywolt Insurance broker about the risks that are particularly likely to affect your location in Calgary, AB. For example, if you are located within a flood zone close to the Bow or Elbow Rivers, it's important to make sure flooding is included in your policy so you're not left to deal with severe water damage mitigation all on your own.

Equipment Breakdown Insurance

Your manufacturing equipment is a critical part of your commercial operations in Calgary, but like any type of machinery or tools, it's not impervious to damage and it's not going to last forever. If your assembly-line equipment suffers a mechanical failure right while you're gearing up to push through a major order from your biggest client, it can have a disastrous effect on your ability to fulfill your contractual obligations and bring in revenue. Equipment breakdown insurance covers repair or replacement costs for equipment that breaks down due to reasons such as power surges, operator error or motor failure. Damage that is unrelated to a mechanical breakdown such as fire or flood would fall under commercial property coverage on your Calgary manufacturing insurance.

Additional Calgary Manufacturing Insurance Coverage

  • Contractors Operations and Professional Services
  • Business Interruption Insurance
  • Corporate Travel Insurance
  • Cyber Insurance
  • Expatriate Care Insurance
  • Fleet Vehicle Insurance
  • Group Injury and Sickness Insurance
  • Kidnap and Ransom Insurance
  • Multinational Insurance Solutions
  • Political Risk Insurance
  • Professional Indemnity Insurance

Frequently Asked Questions About Calgary Manufacturing Insurance

How Much Does It Cost for Manufacturing Insurance in Calgary AB?

You need a Calgary manufacturing insurance expert to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn't overcome your manufacturing business. You know your business, we know the risks and the ways to protect your business from potentially crippling lawsuits or loss.

We don't offer instant online quotes for Calgary manufacturing insurance costs because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured. Once we've chatted with you and know more about how you operate your business, we can find the right insurance options for your unique company to ensure you are fully covered and protected against whatever comes your way.

What Information Do I Need to Provide to My Krywolt Insurance Broker?

The manufacturing sector has many folds—for example, are you certified for a particular process? Or  does your company process or equipment include trace particles of other ingredients that may cause health issues for customers? There are a wide range of things we will need to chat about to learn more about your business and then get the best possible Calgary manufacturing insurance coverage for you.

Here are a couple things to think about before we chat.

  1. What is the value of the assets of the business?
  2. Is your product consumable?  Is it a textile or toy or furniture or technology?
  3. Do you own the business premises?
  4. Is there liability on the services you are providing and if so, think about those risks and jot some down.
  5. Are you integral to continued operations—what would happen if you were injured and couldn't work?

Am I Legally Required to Have Calgary Manufacturing Insurance?

Business insurance, which includes Calgary manufacturing insurance, is not legally mandatory in Canada, so you're not required to have it. That being said, going without it is likely to have some serious repercussions for the success of your business.

No matter how conscientious and exacting your business practices are, you can't prevent every possible mishap or situation that could end up costing you a staggering amount of money in legal expenses, medical bills, legal settlements, repair and replacement for equipment, property damage mitigation and more. Those costs could be enough to cause financial ruin to your business if you don't have adequate Calgary manufacturing insurance coverage to protect you. You may also find that clients are unwilling to work with a manufacturer who is not insured, costing you valuable contracts that will end up going to your competitors instead. Let the dedicated team of brokers at Krywolt Insurance find the right coverage for you at competitive prices so you can rest easy knowing your business is protected against damaging financial losses.

Why Krywolt Insurance?
• Personal Attention
• Exclusive Client Management
• You’ll receive a competitive rate on a suitable policy year after year
• Krywolt Customer Care
• Access to all Major Insurance Providers
• We act for you – not the insurance company
• We’ll obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
• You receive responsive friendly service.
• You’ll have us in your court if you need to claim
• We’ll do the leg work for you!
Assess Your Risk And Get Insured
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You need an insurance expert that understands Manufacturing Insurance to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, we know the risks and the ways to protect your business from potentially crippling law suits or loss.

We don’t offer instant online quotes for Manufacturing Insurance because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured.
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N A
17:51 13 Jan 23
I have been dealing with Krywolt insurance for the past five years and have... always had a great experience whenever I need to make updates or just to get information about policy coverage or to add on riders for specific events. Ask for Morgan if you are looking for rock star service from a commercial account executive with Krywolt. She is super knowledgeable, efficient and a great person to deal with.read more
Amur Abdulghani
Amur Abdulghani
20:28 25 Nov 22
We would truly refer Krywolt Insurance to our friends and family. A sincere,... friendly and wonderful service only is only the beginning of what you can expect from them. A special mention to our account manager AK. He has been fantastic to say the least.read more
Angela Cox
Angela Cox
19:50 26 Sep 22
Sarah L is amazing. She is so attentive and quick to respond. She is... knowledgeable and keeps up to date on our account. Insurance is important and you want to feel like the person you are talking to will make sure you are protected, Sarah definitely does that. I have been with Krywolt for many years and am very happy with the service I receive. Thank-You!read more
Steve Strube
Steve Strube
15:48 20 Sep 22
I was referred to Krywolt several years ago by a business associate. I was very... happy to enjoy a level of personalized service that my previous broker had forgotten over the years.After many years, I am still enjoying the same personalized service.Thanks Sarah!read more
Joel Park
Joel Park
22:06 28 May 20
Great company and team of people. We have been dealing with Darren for 6 years... now and is always a pleasure. Jocelyne and Sherry are professional and responsive and they get things done quick and efficiently. I would definitely recommend them to anyone looking for outstanding service and the best prices.read more
Austin Hannaford
Austin Hannaford
05:04 28 May 20
After having dealt with two different insurance brokers, Krywolt was my number... one pick as they are very responsive and professional. I have worked directly with many of their staff, however I would highly suggest Dan Hannaford if you are looking for someone who knows his stuff and will do his best to get you the client what you require. They are a no joke insurance broker who will tell you upfront the real costs associated with your project. I highly recommend them to anyone who is in need of insurance.read more
Executive Training
Executive Training
23:15 27 May 20
As a new business owner I didn't fully understand the requirements for... commercial insurance, however after calling Krywolt and speaking with Dan he was able to guide me through the process. His knowledge and experience was second to none and he made the process so easy. I called around to other firms and no one else was able to provide me with the recommendations I recieved from Dan. This is the place to call if your looking for insurance.read more
Heather  Jamie Hannaford
Heather Jamie Hannaford
23:03 27 May 20
We worked with Dan on setting up commercial vehicle insurance and it was a... fantastic experience. Dan was very knowledgeable and made suggestions that improved our coverage and provided better protection for our company all while finding us the best price. Dan was very responsive to our inquiries and always got back to us quickly. Are experience with Dan was very positive and we highly recommend Krywolt insurance.read more
galbraith1979 .
galbraith1979 .
02:33 15 May 20
I honestly can think of a better insurance person then Moran. She focuses on... customer service which is sadly becoming a lost art form. My wife and I are proud to have as our insurance lady and recommend to everyone they should call her to switch their insurance.read more
Carla Hoch
Carla Hoch
21:46 14 May 20
Krywolt Insurance is absolutely the best broker we have dealt with ever. ... Krywolt got us out of a complicated situation and guided us every step of the way. With excellent service AND competitive pricing, we feel very well taken care of! We have switched over our home, vehicle and business Insurance to Krywolt. GREAT JOB guys!!!read more
Christopher gonzalez
Christopher gonzalez
20:50 12 May 20
level of unprofessionalism with this company is next level stupidity. would... give them a solid -10 in review if i could. do yourself a favour and stay awayread more
Clean Go Green Go
Clean Go Green Go
21:09 05 May 20
Great Insurance Company, they worked hard to ensure they found us the best rate... and were a pleasure to deal with. Thanks to both Dan and Darren for the excellent service !!read more
Colleen Allin
Colleen Allin
19:24 15 Apr 20
Sherry Thompson was a huge help in finding us insurance under unusual... circumstances. She worked hard to find us the best option, covering all our needs plus the best pricing. I would highly recommend Sherry for her overall efforts, knowledge and timeliness. Thanks again.read more
Jenny R
Jenny R
18:27 29 Jan 20
I've been always taken great care of with any policy or question I've had, I... HIGHLY recommend Morgan Anderson, she's so great and patient. She's most definitely exceptional at what she does.read more
team 7
team 7
17:38 28 Jan 20
Have been working with Krywolt last 6 years. Sherry is very knowledgeable.... Very helpful in the claim process. Great customer service !!!read more
Nilo R
Nilo R
23:23 09 Dec 19
I would just like to give a shout out to Tracy for being so amazing & advising... me. You have no idea how much better you made me feel after having such an awful experience else where. Soooo prompt & friendly, thank you for understanding my situation and doing everything you could to direct me.read more
Morgan Woods
Morgan Woods
00:03 24 Oct 19
I have nothing but positive feedback for the team at Krywolt. As an Aussie... looking for car insurance they were super clear about what forms I would need and put together a great quote for me with ease. Kamal was fantastic help, very professional and went the extra mile to help us get on the road. Would highly recommend them to anyone searching for personal or business insurance! 5/5read more
Cindy Lockton
Cindy Lockton
14:47 14 Sep 19
I switched one policy to Krywolt after having numerous mix ups and conflicting... pricing from another broker and having to wait days and weeks for answers . Dan was extremely professional and courteous and very patient with my incessant questions and got the job done in record time! I have and will continue to recommend this company . I was so impressed I now have all my commercial and personal policies with them . I don’t think I’ve ever been put on hold or have had to wait for a call back . Though insurance isn’t my favorite subject or payment , I no longer have to cringe with anxiety thinking about making a call of getting a question answered ! They also beat every other quote I received from my former broker. Excellent customer service .read more
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