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At Worthy Insurance, we’ve been building customized insurance portfolios since 2005.

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About Worthy Insurance

You are worthy of better, more customized insurance. That’s what we believe at Worthy Insurance. More than that, we believe that our clients deserve solutions customized to their needs and their unique risks. Insurance only gets you so far, having someone in your corner that truly understands your business is what makes the difference.

We work with you in a collaborative and understanding way to help build a portfolio of policies and coverages to protect your business and help you achieve lasting success. You have short-term and long-term goals you want to meet, and we can help you get there. Don’t let a lapse in coverage send all of your hard work and energy down the drain. Let us help you protect all that you’ve worked for.

We are licensed insurance advisors.

We are by your side at every step.

We offer a variety of insurance solutions.

We are there for you in your time of need.

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Serving the United States

We are licensed to help businesses throughout the US. Find the right insurance coverage to set you on the path to lasting success.

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The Solution to Your Insurance Needs

Providing a variety of business insurance solutions for a range of specialized industries is what Worthy Insurance does best.

Our Insurance Specialties
Financial Institution
Healthcare Facility
Manufacturer
Non-Profit
Professional Services

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The Worthy Promise

Here at Worthy Insurance, we value our clients above all else. Therefore, we commit to the following service standards:

Anticipate the needs of our clients by identifying expectations and working towards meeting their needs

Hold ourselves accountable for organizational service commitments.

Listen to our clients’ requests and take immediate action to assist them.

Keep clients informed of any delays in service.

Inform clients on what to expect and normal processing time.

Be as transparent as possible with clients.

Real clients. Real reviews. Real coverage.

"Worthy has been helpful through every step of the insurance process for our company. They took the time to fully analyze our needs and presented multiple options. They are always very professional and timely in responding to our needs."

– Sandy R.
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“Pleasure doing business with them. They were quick and professional.”
– Aaron M.
“They create the best customer service experiences you can get! They’re a legend.”
– Isaac S.
“Worthy has been helpful through every step of the insurance process for my business. They take the time fully analyze our needs and present multiple options.”
– Max D.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Manufacturer

Commercial General Liability Insurance

Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?

Solution

Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Interruption Insurance

Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance

Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.

Solution

Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance Policy

Risk Factor

Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy, which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, and business auto insurance. It provides a great safety net and helps ensure your manufacturing business is well protected.

Motor Truck and Ocean Cargo Insurance

Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.

Solution

You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.

Manufacturer Insurance 101

Make sure you cover the unique risks your business faces with manufacturer insurance.

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  • Discover your risks.
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