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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 Washington rules: West 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 Washington →
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. Washington is a monopolistic workers' compensation state. Coverage comes from L&I, with premiums based on hours worked, a structure unique among the states. ARIA reads your operation against both the industry profile and Washington specifics before any quote is requested.
Through the state monopoly, L&I, with premiums computed on hours worked by risk class rather than payroll. Private comp policies do not exist here. Employers manage cost through claims management and L&I's retrospective-rating programs, and they add stop-gap employers liability to the GL.
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 Washington: monopolistic, hours-based comp. Workers' compensation comes from the Department of Labor and Industries, with premiums computed on hours rather than payroll, and no employers liability included. Stop-gap coverage on the GL and L&I program management are Washington-specific disciplines.
ARIA pre-loads the manufacturing exposure profile with Washington 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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