California Manufacturer Insurance
As a manufacturer, how do you quantify your true cost of risk? For example, if you are faced with a recall, how do you calculate your loss of reputation or market share? It is difficult, at best, to quantify this scenario. In contrast, other components of your cost of risk are easily identified, such as manufacturer insurance premiums, or lost production costs caused by downtime of a custom piece of machinery.
Total cost of risk is an insurance term describing the cost of both pure and speculative risk. It is synonymous with price — the price of your risk management program. We take a total cost of risk approach to positively affect your price by protecting the following four main asset categories:
- Organization
- Personnel
- Property
- Net income
The structure of your risk management program looks to help decrease your total cost of risk. To reach that goal, we help you:
- Analyze your exposures
- Implement control measures to those exposures
- Determine risk transfer or financing options
- Manage current and future exposures
Identification of Exposures
As part of our risk management interview process, we look to confirm that your risk management approach supports your overall business objectives and plans for your company’s future. How would your income or cash flow be affected if there were unforeseen depletions of capital or a shutdown in the plant? Discussing the qualitative aspects of your business provides the important details needed to solidify a plan to help your business succeed, even if the worst happened. Risks can be both qualitative and quantitative. Analyses into both offer the foundation for developing forward-thinking approaches to those exposures.
What is your viewpoint on risk? Is your company risk-averse? Is it in a financial position to take on more risk versus transferring that risk to another party or contractually to a carrier? To help determine your risk aversion, it helps to assess your company history. For example, if you are a start-up company, cash flow and funds are typically tight, so you are more likely to be adverse to risk to protect the financial viability of your start-up organization. Conversely, if your company has a 20-plus year history, there are also risks, including

What Type Of Insurance Do You Need For Your Manufacturing Business?
Because your California manufacturing business can do so many tasks, you want to make sure you have full protection.
Our Manufacturer insurance packages include:
- Builders Risk Insurance
- Workers Compensation Insurance
- General Liability
- Commercial Auto Insurance
- Equipment Insurance
- Product Liability
- and much more
Does Your Manufacturer Insurance Provide The Following?
Does your broker provide you with timely updates on new and revised OSHA regulations?
- When regulatory changes affect your business, we’ll make sure you have all the resources you need to keep your team informed and compliant.
Are your chemical labels and safety data sheets updated to comply with OSHA’s standards?
- Our full suite of GHS compliance resources will help bring your hazard communication program into compliance.
Are you actively promoting a safety culture at the workplace?
- Our employee safety materials help you promote a safety-minded workplace. We provide manufacturing-specific posters, flyers, newsletters and more to keep safety top of mind on the production floor.
Get Your Business Insurance Quote Today!
We are a multi-faceted Business Insurance Agency that handles a wide variety of policies of almost any scale for many different professions and establishments. Our team has the experience and knowledge to help you, your organization or business be secure and protected.
We have many commercial insurance policies to choose from:
You’ll Have The Support Of Our Experts On A Continuing Basis
We don’t just make a sale and leave you hanging, here are just a few of the added value items we provide:
- We review your contracts
- Review your certificates of insurance
- Additional insured endorsements
- Put on classes for your staff on these topics
- Full OSHA compliant safety programs
- Complete HR software to keep you compliant
Our Business Insurance Tools Will Put You in the Driver’s Seat!
Our agency can help you build solid loss control and safety programs to help you stay on top of your biggest risk management and compliance challenges, such as:
Workplace Safety Programs
Our transportation industry safety manual and employee safety resources can provide your place of business with useful injury prevention information.
Compliance and Recordkeeping
You are responsible for complying with regulations from OSHA, DOT and more. Let us show you how to do so correctly.
Managing Risks
We have the risk management expertise to help you plan and control resources and activities in order to cost-effectively fulfill your objectives.
Building a Safety Culture
Our employee safety materials help you promote a safety-minded workplace. We have flyers, posters, payroll stuffers.
DOT/FMCSA Compliance
We have reference materials, forms and checklists that will help you remain in compliance with DOT/FMCSA regulations.
GDI Insurance Agency, Inc. California Manufacturer Workers Compensation Experts!
We can get you better rates today, and position you to get better rates in the future.
Do you know that California Worker’s Compensation rates can be discounted by as much as 55%? And that your CA modification factor can save you nearly another 40%! GDI Insurance Agency, Inc. can help you save money on your Workers Comp, call us today 1-209-634-2929
We offer all of our clients free OSHA compliant safety programs tailored to your business and focused on reducing the claims you are having. We support this with a full HR program that is the platform used for integrating your workers compensation claims cost control program, which we put together and monitor for you.
Learn About the GDI Client Philosophy!
Safety and Compliance
- Employee Manual
- Base Safety Programs
- Human Resources
- Employee Training
Insurance & Risk Management
- Basic Policies - Liability
- Basic Policies - Employee Benefits
- Employee Benefits
- Contractual Transfers
Maximization of Efficiencies
- Accounting & Taxation
- Legal Guidance & Council
- Safety & Training
- Specialized EPA Inspections & Certifications
- Inspection Assistance
- Insurance Visit Support
If You Think This Sounds Too Good To Be True, Here Is What Just A Few Of Our Clients Have To Say about their Business Insurance:
"“…$385,000 less a year than we were paying
We looked hard at all our budget items, and insurance seemed to be a big fixed expense. GDI found us a policy for $385,000 less a year than we were paying”
-CA Home Builder
"…found me coverage for $140,000 less a year
When everyone else said that was the best they could do, I called GDI, and they found me coverage for $140,000 less a year than anyone else offered.”
-CA Cement Contractor
GDI Insurance Agency, Inc. Your Trusted Business Insurance Experts

At GDI Insurance Agency, Inc. we will do the work for you to ensure you have the best protection plan for your California business. Not only that, but as you can see, we will go the extra mile to make sure your business is protected from the inside-out.
Located in Turlock, CA we have offices throughout California’s Central Valley, Northern California and beyond.
To put the GDI Insurance Agency, Inc. experts to work for you, simply fill click our quote button above or call our office today at 1-888-991-2929 to learn more about GDI’s Exclusive California Manufacturer Insurance Program!