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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 Tennessee rules: Southeast 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 Tennessee →
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 generally required at five or more employees, but construction trades need it with as few as one. The construction carve-out catches growing contractors by surprise. ARIA reads your operation against both the industry profile and Tennessee specifics before any quote is requested.
Generally at five or more employees, but construction businesses need coverage with even one employee. Subcontractor payroll without certificates lands on the hiring contractor's audit, which is the most common surprise we see.
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 Tennessee: tornado and straight-line wind. Middle and West Tennessee sit in the most active corridor of Dixie Alley. Nocturnal tornadoes and derecho-class wind events drive property and business-interruption losses that test both limits and extension periods.
ARIA pre-loads the manufacturing exposure profile with Tennessee 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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