Source: Guard Insurance Group – Business Insurance
Guard Insurance Group: Manufacturing Insurance Appetite
Guard's appetite for manufacturing is limited to light operations – small workshops, artisan producers, and assembly-only operations. Heavier manufacturing should go to Travelers, CNA, or an E&S market like Markel. Guard's small commercial focus means they're not built for complex manufacturing risks.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$3,000-$20,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP available for light manufacturing and assembly operations
- Workers' comp with experience mod consideration
- Can accommodate small workshops and artisan manufacturers
- Commercial auto for delivery vehicles
- Competitive pricing for low-hazard manufacturing
Limitations
- Heavy manufacturing, chemical, and industrial operations are excluded
- Product liability exposure must be modest – high-risk products declined
- Maximum payroll of $2M for workers' comp in manufacturing class codes
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