Manufacturing programs are 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.
Drawn from analysis of mid-market accounts in this class. Two of them are structural: what's missing from the coverage rather than premium-driven.
The lines ARIA recommends for a well-structured coverage in this industry, in the order they typically attach.
Routine FDA testing detects salmonella in three lots. Voluntary recall expanded to 18 SKUs to remove all potentially affected product. Retailers demand full retrieval, destruction, and replacement.
Without dedicated recall coverage, the $4.2M of retrieval, destruction, replacement, and reputational-rehabilitation costs fall to the balance sheet. CGL responds to subsequent illness claims, but everything else is out-of-pocket.
Dedicated $5M recall policy responds to retrieval, destruction, replacement, advertising/PR, and consultancy. Indicative annual premium for the recall coverage: $28K–$48K. The company maintains retailer relationships and continues operations on schedule.
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative dataset · n=84 mid-market placements in this class
ARIA pre-loads your manufacturing exposure profile the moment you click. Peer benchmarks, top risks, and the carriers in appetite at your scale.
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