From Prototype to Production.

Specialized insurance for Connecticut's Machine Shops, Food Processors, and Component Manufacturers.

The Risks of Making Things

Manufacturing is the backbone of the economy, but it also carries some of the heaviest liability risks. A single defect in a $5 part can lead to a million-dollar lawsuit or a catastrophic recall.

At River East Insurance, we understand that a machine shop in Manchester faces different risks than a food packager in South Windsor. We don't just sell you a policy; we analyze your supply chain, your quality control processes, and your end-users.

We build policies that protect your expensive machinery, your raw materials, and your business's reputation if something goes wrong down the line.

Industries We Serve

We work with diverse manufacturers across the state.

CNC & Machine Shops
Food & Beverage Processing
Plastic Injection Molding
Metal Stamping & Fabrication
Electronics Assembly
Woodworking & Cabinetry

Critical Coverage for Industry

Product Liability

Your biggest threat. It protects you if a product you made (or a part you supplied) causes bodily injury or property damage to a third party.

Design Defect Coverage
Manufacturing Defect Coverage
Global Jurisdiction Options

Product Recall Expense

If a batch is bad, getting it back is expensive. This covers the costs of notification, shipping, disposal, and crisis management to save your brand.

Voluntary & Involuntary Recalls
Lost Profit Replacement
Consultant Costs

Equipment Breakdown

Standard property insurance covers fire and theft, but not if your CNC machine seizes up or a boiler explodes. This pays for repairs and lost income.

Mechanical Failure
Electrical Arcing
Spoilage (for Food Processors)

Manufacturers E&O

What if the part you made works perfectly, but you made it to the wrong spec? Or it was delivered a week late, shutting down your customer's assembly line?

General Liability won't cover that because there was no "bodily injury." That is a financial loss claim.

Manufacturers Errors & Omissions (E&O) closes this gap. It covers financial damages caused by your failure to deliver a product as promised or designed.

✔ Supply Chain Risk: Protection if your delay causes a downstream loss.
✔ Selling Prices Clause: We value your finished stock at the selling price, not just the cost to make it.
✔ Cyber for Industry: Protection against hackers holding your CAD files or production line hostage.

Review My E&O Coverage

Common Manufacturing Questions

Does my policy cover molds and dies?

Often, these are excluded or have low limits. We can add a "Patterns, Dies, and Molds" floater to cover these expensive assets, whether they are at your shop or a third-party site.

I import parts from overseas. Am I liable?

Yes. If you import a part and sell it in the US, the courts often view you as the "Manufacturer" for liability purposes. You need robust Product Liability to cover this.

What happens if a raw material supplier fails?

We can add "Contingent Business Interruption" coverage. This pays your lost income if a key supplier has a fire and can't send you the materials you need to operate.

Is Workers' Comp expensive for factories?

It can be. We help you implement safety programs and "Return to Work" protocols that can lower your Experience Mod factor, directly reducing your premium.