Source: The Hartford — Manufacturing Insurance
The Hartford: Manufacturing Insurance Appetite
The Hartford writes manufacturing through both their small commercial and middle & large commercial divisions. Small manufacturers (under $10M revenue) can access the Spectrum BOP platform for fast quoting. Larger manufacturers get dedicated underwriting with Property Choice or Property Elite forms. The Hartford is competitive for light-to-moderate manufacturing — think food processing, electronics assembly, plastics, and metal fabrication. For heavy or hazardous manufacturing, Travelers or an E&S market may offer better terms.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Umbrella/Excess |
| Product Liability |
| Ocean Cargo |
| Cyber Liability |
Premium Range
$8,000-$75,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Property Choice form with industry-specific endorsements, blanket limits, and equipment breakdown for manufacturing facilities
- Product liability coverage including completed operations for manufactured goods
- Business income coverage with off-premises utility service interruption and dependent property sublimits up to $100K
- Midsize and large manufacturing accounts get access to Property Elite and Property Elite Global forms with catastrophe perils
- Risk engineering team provides factory safety assessments and OSHA compliance consulting
Limitations
- Chemical manufacturing, explosives, and hazardous materials processing are typically declined in standard commercial
- Heavy manufacturing with high-value plant operations ($50M+) moves to middle & large commercial with longer timelines
- Start-up manufacturers with no operating history face higher minimum premiums and may need additional underwriting review
Compare Other Carriers for Manufacturing
$4,000-$15,000
$10,000-$75,000
$10,000-$80,000
$500-$4,000
$1,500-$8,000
$3,000-$20,000
$5,000-$50,000
$5,000-$40,000
$3,000-$20,000
$3,000-$25,000
$3,000-$15,000
$2,000-$15,000
$4,000-$18,000
$5,000-$25,000
$6,000-$30,000
$4,500-$22,000
$4,000-$18,000
$4,000-$20,000
$3,000-$20,000
$5,000-$50,000
Not available
$8,000-$100,000
$5,000-$100,000
$1,000-$10,000
$8,000-$60,000