Product Liability Insurance for Truss Manufacturers
You fabricate a structural component that carries real load in someone's building. When a truss fails — years after it left your yard — products liability is the coverage that decides whether your company survives it.
Every roof truss and floor truss you build is a load-bearing structural product. The moment it leaves your yard and gets installed, you carry exposure for how it performs — not just while you're building it, but for years afterward. A truss that sags, a connector plate that pulls, a mis-cut web that collapses under snow load: any of these can become a lawsuit that names the manufacturer.
Here's the problem most truss plants don't see until it's too late: a standard general liability policy built for contractors routinely limits, carves back, or outright excludes products and completed-operations coverage. The policy you were handed by a generalist agent may look like it covers you, but the products hazard — the single biggest exposure on a manufacturing floor — is often the weakest part of it.
We build true products-completed operations liability into every truss-manufacturer program, with limits and structure designed for a fabrication operation, not a job-site contractor. That's the difference between a policy that pays to defend you and one that walks away.
What it covers
Bodily injury from a failed product
Covers claims when someone is injured because a truss you fabricated fails — on a jobsite, after installation, or years later in an occupied building.
Property damage caused by your product
Pays when a defective component causes damage to the structure it's part of, or to surrounding property. Think a failed floor truss damaging a finished home.
Defense costs
Products lawsuits are expensive to defend even when you're right. Your defense — engineers, counsel, expert witnesses — is covered. We structure defense inside or outside the limit depending on what fits you best.
Completed-operations tail
Coverage follows the truss after your work is done — through delivery, installation, and the years the building stands. A claim in year seven is covered the same as a claim in week one.
Named-insured protection for the plant
Your manufacturing entity is properly named and scheduled, so the coverage responds to the operation that actually built the product — not a holding company or a contractor endorsement.
Built for operations like yours
This coverage is structured for the plants that design, fabricate and ship engineered wood components — and it's placed by an agency that knows the floor.
- Roof truss manufacturers (residential and light commercial)
- Floor and parallel-chord truss manufacturers
- Engineered wood component fabricators
- Plants that design and stamp trusses, not just assemble them
Why place it with CCA?
Built for manufacturers, not contractors
We write products liability as a primary structure for a fabrication operation — not as a contractor GL endorsement that silently caps the products hazard.
Real claims advocacy
When a truss gets named in a failure, you want an advocate with counsel and a forensic engineer on speed-dial, not a 1-800 number. We bring the resources to fight a bad claim.
Carriers rated for component manufacturers
We place coverage with carriers that actually understand wood-component manufacturing and price the exposure correctly — which often means better limits for less premium.
Product Liability — your questions
Sometimes — but for a manufacturer, it's frequently limited or excluded. Contractor GL is written for the hazard of working on someone else's property, not for the hazard of making a product that gets installed and stands for decades. We review your current GL declaration and endorsements to tell you exactly what's covered and what isn't.
Ready to structure this coverage?
Get a product liability quote in about 15 minutes — no obligation.
Insure the whole plant, not just one line.
Bundle this with the rest of your program — product liability, workers' comp, equipment and auto — structured around how you actually run.
Licensed in all 50 states · 2-hour claims response · 15-minute quote turnaround