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Precision Is Your Business. Protecting It Is Ours.
If you're building production injection molds, prototype tooling, or precision plastic molds, you already know that a small tolerance error can mean the difference between a part that works and a part that doesn't. Your customers hold you to exact specifications, and your insurance should be held to the same standard.
Coldbrook Insurance Group has worked with tool and die, injection molding, and mold building companies for 30 years. We don't hand you a generic manufacturing policy and hope it fits — we build coverage around the specific exposures your shop actually faces, from the machinery on your floor to the parts you ship overseas.
As an independent agency, we're not limited to one carrier's off-the-shelf program. We shop your risk across our network to find the right combination of coverage and pricing for a business like yours, and we stay involved after the policy is signed, not just at renewal.
Coverage Built for Tool and Die Shops
A standard commercial policy doesn't account for the realities of precision manufacturing. Here's what we typically put in place for tool and die, injection molding, and mold building clients:
Broad Core Coverage
- Property insurance
- Inland marine and ocean marine coverage
- General liability
- Commercial automotive
- Crime coverage
- Workers' compensation
- Umbrella liability
- Employment practices liability (EPLI)
- Crime, Cyber & Management Liability
- Errors & Omissions
Manufacturing-Specific Protection
- Extensive mechanical breakdown coverage for machinery, equipment, and computer systems — critical when a single CNC machine or molding press going down can halt production
- Product recall insurance, so a defect discovered after a mold or part ships doesn't become a catastrophic financial event
- Superior coverage for overseas exposure, built for shops that source materials, ship tooling, or work with customers internationally
Cost Control
- Competitive rates and premiums
- Potential savings through workers' compensation discounts tied to active safety programs
- Excellent loss control and claims services, so problems get resolved quickly instead of dragging on
Risks That Are Easy to Overlook
Machinery downtime is a bigger risk than most owners plan for. A precision mold or an aging press isn't cheap to repair or replace, and every day it's down is a day you're not shipping parts. Mechanical breakdown coverage exists specifically to close that gap.
Product recall exposure grows with every part you ship. If a defect is discovered after a mold or molded part is already in a customer's supply chain, the cost of a recall — and the liability that follows — can be significant. This is a coverage most standard commercial policies simply don't include.
International shipping adds exposure most domestic policies miss. If your shop sources tooling steel from overseas, ships molds internationally, or supports customers outside the U.S., your cargo and liability exposure looks different than a purely domestic manufacturer's — and needs to be insured accordingly.
Safety programs can lower your costs, not just your risk. Many shops don't realize an active, documented safety program can translate directly into workers' compensation savings. It's worth a conversation even if you think your current program is informal.
Why Work With an Independent Agency
Coldbrook is independently owned — not a franchise, and not part of a national conglomerate that's acquired a string of local agencies. For a precision manufacturer, that means:
- We're not tied to one carrier. We shop your risk across multiple companies to find the right fit for a specialized operation like yours.
- You get a real point of contact, not a general call queue, when you have a question about your policy or need to file a claim.
- We're licensed in 48 states, so if your shop ships nationally or you're expanding operations, we can still cover you without a handoff to another agency.
- We're West Michigan–based and understand the manufacturing base this region is built on — this isn't a new industry to us.
Claims, Handled the Way They Should Be
If a machine goes down, a shipment is damaged, or a product issue surfaces, you call your Coldbrook contact directly. We handle fast intake, loop in the adjuster when it helps, and keep you informed on next steps and timelines — so you can stay focused on your shop floor instead of chasing down claim status.
Get a Quote for Your Shop
Whether you're running production injection molds, prototype tooling, or mold building for OEM customers, we'll build coverage around how your shop actually operates.
