In Focus

Industry Spotlight: Manufacturing

Help your clients reduce exposure and protect against the top claims for manufacturing.

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Manufacturing

Manufacturing businesses operate in high-risk, high-value environments where even minor disruptions can have significant financial consequences. From equipment breakdowns and workplace injuries to production delays and supply chain interruptions, exposures are often complex and interconnected.

Supporting manufacturers with tailored insurance solutions and proactive risk management is critical to helping reduce uncertainty and protect long-term operations. With the right approach, brokers can deliver value beyond insurance by understanding each business’s unique risk profile and helping clients strengthen resilience.

Unique Risks in Manufacturing

In manufacturing, risk rarely comes from just one source. It builds up across machinery, production processes, and the everyday decisions made on the factory floor. Together, these moving parts create ongoing exposures that shift as operations change. That’s why manufacturers often see a familiar set of risks and claim types, shaped by the working environment and the speed at which production runs.

Liability

Usually from third-party injuries caused by product defects, equipment malfunctions, or unsafe conditions. Mitigate this claim type with:

Digital training
Safety inspections
Safety checks

Impact Damage

Often involves collisions between vehicles or heavy equipment and factory assets. Mitigate this claim type with:

Pre-start checks
Hazard reporting
Work order management

Breakdown

r esults from unexpected equipment failures that halt production and lead to delays and income loss. Mitigate this claim type with:

Vibration sensors
Temperature sensors
Asset management

Escape of Liquid

leaks or burst pipes that can damage stock or guest or work areas. Mitigate this claim type with:

Temperature and Water Monitoring
Scheduled Maintenance
Asset Management

Monitoring Sensors & IoT

Gain real-time insights with Sensors & IoT

Move from reactive compliance to proactive operations with real-time insights powered by sensors, telematics, and IoT.

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When these risks materialise, the difference between prolonged disruption and a swift recovery often comes down to preparation.

Did you know? Manufacturers lose $26 billion in productivity every year. Digital checklists encourage consistent inspections, helping teams catch problems before they disrupt operations.

From Incident to Recovery with Minimal Operational Disruption

Davies Chocolate Stock Image

Even with strong risk management processes in place, unexpected incidents can still occur. For Australian handmade chocolate manufacturer Davies Chocolates, an unforeseen equipment failure threatened to significantly disrupt production. Production came to a halt when a chocolate enrobing machine overheated and began to combust, damaging both the machine and conveyor belt and immediately impacting stock.

Claims investigations of this nature can often take weeks, delaying equipment replacement and extending downtime. However, Davies Chocolates had proactively installed Mitti temperature sensors, providing real-time visibility into critical equipment.

This enabled the forensic team to quickly review sensor data, identify the cause of the fire, and progress the claim without delay. A replacement machine was ordered within a day of the loss adjuster’s visit, and production was fully restored within eight weeks.

Supporting Manufacturing Teams at Every Step

As the manufacturing sector continues to evolve, resilience is about more than recovering from incidents. It means putting systems in place that make day-to-day operations safer, more efficient, and more reliable. By focusing on prevention and preparedness, manufacturers can protect their people, maintain production continuity, and safeguard the business.

For manufacturing businesses, resilience goes hand in hand with preparation.

Mitti Insurance bridges the gap between risk management and insurance by offering coverage tailored to the realities of manufacturing environments.

From small-scale producers to complex, multi-site operations, the focus is on reducing downtime and supporting faster recovery when unexpected disruptions occur.

Supported by practical risk management tools used by manufacturing teams globally, Mitti, our parent company, provides a platform that helps standardise processes, train teams, monitor critical assets, and manage operations across sites, all within one easy-to-use system.

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Ready to take the next step toward a safer, more efficient manufacturing operation?

Explore the tools and resources below to get started.

Book a virtual survey

Get support from a Mitti Insurance professional risk engineer to help your business become best practice in mitigating risk.

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Why manufacturing leaders are choosing Mitti

Empower teams to check and improve production quality and safety every day while maximizing efficiency and driving better returns.

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Risk Management Platform

With Mitti, every team can identify risks, take action, and keep improving — all from one connected platform.

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Insurance products are issued by Mitti Insurance Pty Ltd (formerly SafetyCulture Care Australia Pty Ltd) ABN 54 662 653 303 AFSL 544306 as agent for the insurer for the respective product. Neither we nor any insurer we represent provide any advice on any insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision on any product, please refer to the Policy Wording available from this website or call your broker for further information. If you purchase insurance, we will receive a commission and/or fee that is based on the premium.