Light Manufacturing Insurance

Flexible Coverage for Small & Mid-Sized Manufacturers

Light manufacturing can be tough to place — especially when there’s product exposure, older buildings, or equipment-heavy operations involved. We help independent agents quote and bind manufacturing & fabrication risks that standard carriers decline.



Our program is built for small manufacturers, assembly shops, fabricators, and makers who need coverage that fits how they actually operate.

What We Write

  • Light manufacturers (metal, wood, plastics, textiles)



  • Assembly operations


  • Small factories & production shops


  • Food & beverage production (case-by-case)


  • Cabinet, furniture & millwork shops


  • Tool & die shopsPackaging & labeling businesses


  • Electrical component assembly


  • CNC & custom part machining (selective appetite)
A man is cutting a piece of wood on a table saw in a workshop.

Coverages Available

General Liability

Including product liability & completed operations

Property Coverage

For buildings, equipment, inventory, and business income

Equipment Breakdown

For production machinery & mechanical systems

Products Liability

For goods made, sold, or distributed

Commercial Auto

Available with supporting lines (if eligible)

Excess Liability

For accounts needing higher limits

When to Use

Our Program

  • Product exposure with no prior GL coverage



  • Operations with custom manufacturing or open flame tools


  • Businesses in older or converted industrial buildings


  • Prior losses or claims related to machinery or liability


  • Start-ups or owner-operators with limited experience


If the underwriter at a standard market won’t touch it — we’re happy to look at it.

A large warehouse filled with lots of machinery and pallets.

Regional Insight

Manufacturers in Tennessee, Kentucky, Mississippi, and Arkansas often operate in converted spaces, mixed-use buildings, or rural areas where PPC ratings or construction class limits standard carrier interest. We know the local underwriting hurdles — and the carriers who are still willing to write these accounts.

FAQs

  • What classifies as “light” manufacturing?

    We’re typically looking at operations with limited heavy machinery, low hazard materials, and production that doesn’t involve hazardous chemicals or high-pressure systems.

  • Can you help with product liability?

    Yes. Product liability is included or available depending on the risk and what’s being made. We’ll ask for product details, distribution info, and loss history.

  • Do you write food manufacturing?

    Sometimes — on a case-by-case basis. We’ll need full product info, packaging methods, and whether any co-packing or third-party distribution is involved.

Let’s Get to Work

Got a shop or plant that’s tough to place?


Call  (865) 909-0181  or email jacki@sgatn.com to send over your submission.


We’ll get it moving fast — and let you know if we can write it.