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Manufacturing coverage is physical: equipment, inventory, locations, products in commerce. The risks are mechanical (fire, machinery breakdown), human (workers' comp), and commercial (product liability, recall). The line that surprises CFOs is recall: it’s almost never inside CGL.
Below is that profile under Michigan rules: Midwest perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Manufacturing →
The perils and statutes that change how manufacturing coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Michigan →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for manufacturing typically starts with Commercial Property w/ blanket limits and replacement-cost basis, Business Income + Extra Expense w/ 24-month extension, Product Liability (broad form), Product Recall (dedicated form), structured in that order. Workers' compensation is required for most employers. The threshold rules count employees in ways that capture nearly all real businesses, so assume it applies. ARIA reads your operation against both the industry profile and Michigan specifics before any quote is requested.
For nearly all employers, yes. The statutory thresholds are technical but capture almost any business with regular employees. Manufacturing classes reward disciplined classification and experience-mod management.
For the industry itself: product recall expense. Product recall is excluded from most CGL forms; a separate recall policy is required. Recall costs (notification, retrieval, replacement, brand rehabilitation) often exceed the underlying product liability claim itself. Layered on top in Michigan: supplier contractual cascade. OEM purchase orders flow indemnity, recall, and insurance requirements down through every tier. A tier-2 supplier's coverage gets tested against terms written for tier-1 balance sheets, and recall expense is the line that breaks first.
ARIA pre-loads the manufacturing exposure profile with Michigan perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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