Supporting Manufacturers, Importers, and Retailers Establishing in the United States: Insurance and Risk Management Solutions

August 12, 2025

Expanding your manufacturing, importing, or retail business into the United States provides tremendous opportunities, but it also introduces new risks and regulatory requirements. At Hako Risk and Insurance, we specialize in helping manufacturers, importers, and retailers navigate the complexities of U.S. insurance and risk management, ensuring your entry into the American market is both secure and compliant.

Understanding U.S. Insurance Requirements for Manufacturers, Importers, and Retailers

When setting up operations in the United States, manufacturers, importers, and retailers must meet a range of insurance requirements, often mandated by landlords, warehouse owners, or business partners. These requirements are designed to protect not only your business but also the interests of those you work with.

Product Liability: Essential Protection for Your Goods

For manufacturers and importers, the U.S. legal environment presents significant product liability exposure. If a product you manufacture or import causes injury or property damage, your business could face substantial legal claims. Retailers are also exposed to product liability risks, as they can be named in lawsuits involving products they sell. Product liability insurance protects your business from the financial impact of these claims, covering legal fees, settlements, and judgments. This coverage is critical for maintaining your reputation and financial stability and is often a prerequisite for leasing commercial or warehouse space.

Business Income Coverage: Safeguarding Your Operations

Unexpected events such as fires, natural disasters, or equipment failures can disrupt your supply chain or halt your operations. Business income coverage, also known as business interruption insurance, compensates for lost income during periods when your business cannot operate due to a covered event. This protection is vital for manufacturers facing production stoppages, importers dealing with supply chain disruptions, and retailers unable to open their doors. Landlords and warehouse owners frequently require this coverage to ensure tenants can continue meeting their financial obligations even during unforeseen interruptions.

Umbrella Coverage: Expanding Your Liability Protection

Manufacturers, importers, and retailers operating in the United States are exposed to potentially large liability claims that can exceed the limits of standard insurance policies. Umbrella coverage provides an extra layer of protection, stepping in when the limits of your general liability, product liability, or other policies are exhausted. This additional coverage is especially important in the U.S. market, where legal settlements can be unpredictable and substantial. Many landlords and warehouse owners require umbrella policies to provide added security for all parties involved.

Comprehensive Risk Management for Your Industry

At Hako Risk and Insurance, we understand the unique risks faced by manufacturers, importers, and retailers entering the U.S. market. Our team offers tailored risk management solutions, from assessing your specific exposures to implementing preventive measures and ensuring compliance with all regulatory and contractual obligations. We work closely with you to develop a risk management strategy that supports your business goals and protects your interests.

Why Partner with Hako Risk and Insurance?

Our expertise in serving manufacturers, importers, and retailers sets us apart. We have a proven track record of helping businesses like yours navigate the U.S. insurance landscape, secure essential coverages, and implement effective risk management practices. From product liability and business income coverage to umbrella policies and ongoing support, we are committed to your success in the American market. If you are a manufacturer, importer, or retailer planning to establish a presence in the United States, let Hako Risk and Insurance be your trusted partner. Together, we can build a strong foundation for your growth and security in the U.S. market.

Contact Kraig today.

Thank you,

Kraig Sturgill

ksturgill@hakorisk.com

602-552-4248

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