Commercial Insurance
Manufacturing & Wholesale insurance.
Coverage built for the shops, plants, and warehouses that keep WNY moving.
Who we cover
From the old industrial corridors of South Buffalo and Tonawanda to the fabrication shops and distribution centers along the Thruway, Western New York still makes things and moves things. If you run a light manufacturing shop, a metal fabrication business, a wholesale operation, or a warehouse, your risks look nothing like a retail storefront's. You have machinery on the floor, product moving in and out, employees around equipment, and customers counting on your shipments. Willoughby helps WNY business owners like you put the right coverage in place, in plain English, without the runaround.
Risks we see in WNY
- Equipment breakdown that halts production and stalls orders
- Fire or smoke damage to inventory, raw materials, and machinery
- Worker injuries around presses, forklifts, and the loading dock
- A product defect leading to a liability claim down the supply chain
- Lake-effect winter weather damaging the building, roof, or stored goods
- Lost income while the plant is shut down after a covered loss
- Damage to goods in transit or held at a third-party warehouse
Coverage that fits
What manufacturing & wholesale typically need.
A starting point, not a checklist. We tailor the right mix to your actual operation.
Commercial Property
Covers your building, machinery, tools, and on-site inventory against fire, theft, and weather damage.
General Liability
Responds when a third party is injured or their property is damaged in connection with your operations or premises.
Product Liability
Protects your business if a product you made, sold, or distributed is blamed for causing injury or damage.
Equipment Breakdown
Helps cover repair or replacement and lost income when critical machinery suddenly fails.
Business Income (Business Interruption)
Replaces lost revenue and helps with ongoing expenses while you recover from a covered shutdown.
Workers' Compensation
Required in New York and pays for medical care and lost wages when an employee is hurt on the job.
The Willoughby difference
One agent. Many markets. Your side of the table.
As an independent agency serving Western New York since 1952, Willoughby shops many carriers for you, including The Hartford, Hanover, Security Mutual, and more, so you get coverage matched to your operation instead of a one-size-fits-all policy. You work with a local agent who knows WNY business, not a call center.
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and more through our agency network.