Manufacturing &

Protecting what matters most

building stronger relationships

Graham Employee



Manufacturers face a complex set of risk management challenges. They struggle with difficult safety and workers compensation exposures, given ever-increasing demands on productivity and in many cases, an aging workforce. Manufacturing clients’ risks continue when their products leave the loading dock. Their products enter a marketplace that is more litigious than ever. We work closely to evaluate product liability exposures, and our thorough Underwriting Submission ensures we receive the most favorable coverage terms and pricing from insurance carriers.

Distributors have many of the same challenges, but with the addition of large vehicle fleets. Distributors are also all too often treated generically by the insurance marketplace. We regularly see great companies being treated the same as their less professional industry peers in terms of service, coverage and pricing. Graham Company acts as an “Outsourced Risk Manager.” Whether it is observing warehouse operations and identifying improvements, designing a new loss-sensitive insurance program or evaluating contracts with vendors and clients, the goal is the same: to reduce losses and to design an insurance program that is a competitive advantage.

Graham Company has provided Risk Management for every type of manufacturer including chemicals, industrial equipment, consumer products, heavy equipment, medical devices, and pharmaceuticals. Similarly, Graham distributor clients sell a vast variety of goods including petroleum/propane, flowers, refrigerated food, paper, heavy equipment, chemicals, publications, tires, consumer products, and medical supplies. Each presents its own risk management challenges.



  • Commercial General Liability Insurance
  • Business Automobile
  • Workers Compensation/Employers’ Liability
  • Product Recall
  • Stock Throughput
  • Warehouse Legal Liability
  • Ocean and Motor Truck Cargo
  • Pollution Legal Liability
  • Property and Equipment Breakdown
  • Cyber Insurance



  • On-site safety evaluations
  • OSHA compliance assistance
  • Assistance with all forms of contractual risk transfer (contracts and purchase orders)
  • Safety culture measurement and improvement
  • Certification of Safety Committees
  • Alternative Risk Management Structures including Captives
  • Fleet Safety Training and Evaluations
  • Mock DOT Audits
  • Evaluation of vehicle safety technology (telematics, cameras, etc.)

“We recognize that each company has unique requirements and objectives, and Graham works closely to help us achieve those goals.”

– Stephen A. Becker, Premier Magnesia, LLC



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