You run a tight operation. Your insurance program should match.

If your business involves producing, moving, or storing physical goods at scale, we have experience with the risk profile that comes with it.

We work across the full range of physical manufacturing and distribution operations: consumer packaged goods, food and beverage producers, industrial and specialty manufacturers, metal fabrication, plastics and chemicals, automotive components, electronics, and contract manufacturers. 

On the distribution side, we work with wholesale distributors, third-party logistics providers, and warehousing and fulfillment operations.

We build programs that address the full operational risk picture: equipment breakdown and machinery coverage, product liability and recall protection, supply chain interruption, workers' compensation, environmental liability, commercial fleet and cargo, and umbrella/excess coverage. For businesses with international operations or complex contractual requirements, we also handle the specialty coverage that standard commercial programs typically miss. The program we design for you reflects your specific production environment.

Product liability is one of the most consequential, and commonly underdesigned, coverages for manufacturers. Most standard policies cover the basics but fall short on completed operations, recall expense, regulatory defense, and brand protection. Polarix evaluates your full product lifecycle: how it's made, how it's distributed, and where the liability chain extends. We then design coverage that actually matches your exposure including recall cost coverage that accounts for the real cost of a product event, not just a nominal limit.

For the right manufacturer, absolutely. Manufacturers who have invested in safety systems, quality controls, and disciplined operations tend to carry favorable loss histories that traditional insurance doesn't reward. A group captive does. If your business spends $150,000 or more annually on insurance and maintains a strong claims record, Polarix will model what captive participation could look like for your operation, including an estimate of the equity you could have retained over the past five years under a captive structure.

Workers' compensation is a significant expense for most manufacturers, and the variance between a well-designed program and a generic one is substantial. We build comp programs around your actual workforce, safety culture, and loss history — and connect qualifying manufacturers with captive structures that route favorable claims performance back to your business as equity rather than to a carrier's profit margin. We also work proactively on loss control programs that improve safety outcomes and reduce experience modification rates over time.

At most firms, advisors are employees with quotas. At Polarix, advisors hold equity in the firm, which means the quality of your outcomes directly affects theirs. There's no incentive to renew a program that isn't working for you, recommend a product that isn't right for your business, or disappear between renewals. Aligned incentives aren't a talking point here. They're built into how the firm is structured.

Start with a conversation. We'll learn about your operation, review your current program, and give you a straightforward assessment of where you stand, including whether a captive program is a realistic fit. No obligation, no pressure. If we can help, we'll show you exactly how. If we can't, we'll tell you that too.