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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 Texas rules: Southwest 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 Texas →
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. Texas is the only state where workers' compensation is broadly optional for private employers. Nonsubscribers lose common-law defenses and should run a deliberately structured injury-benefit program if they opt out. ARIA reads your operation against both the industry profile and Texas specifics before any quote is requested.
No. Texas allows private employers to be nonsubscribers. But going without removes statutory defenses and exposes the business to unlimited injury suits, so most opt-outs pair the decision with a formal occupational-injury benefit plan and defense strategy. For many businesses, subscribing remains the cleaner answer.
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 Texas: hail as a recurring operating cost. Texas leads the nation in hail losses, and carriers have responded with percentage wind-hail deductibles, actual-cash-value roof endorsements, and cosmetic-damage exclusions. The roof terms on a Texas property policy deserve more scrutiny than any other clause.
ARIA pre-loads the manufacturing exposure profile with Texas 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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