Powered On in Millions of Homes. Backed by Real Coverage.
Protecting the makers of major and small appliances
Appliance manufacturers put electrical, heating, and water-connected products into millions of homes and businesses, where a single design or component defect can cause a house fire, a flood, or an electrocution. That is the exposure that defines the class: appliance failures are among the most common causes of residential fires and water losses, and when one is traced to a defect, the manufacturer faces a property-damage and bodily-injury claim that can multiply across every unit in the field. A defect that affects one unit usually affects a production run, which turns a single claim into a recall. This is a product-liability business first, and everything else supports it.
Insuring an appliance maker is about standing behind a powered product in someone else's home for years after the sale.
Key Risks in Operations
Product liability from fire, water, and electrocution caused by appliance defects
Recall exposure when a defect spans a production run
Completed-operations claims that follow the appliance through its service life
Property, tooling, and equipment-breakdown exposure in the plant
Foreign-supplier and component risk on sourced parts
Warranty and contractual obligations to retailers and buyers
Employee injury in a manufacturing environment
A defect in one unit is usually a defect in thousands.
Core Coverages
Product Liability — Covers bodily-injury and property-damage claims that an appliance defect caused fire, water, or electrocution loss — the defining coverage for this class.
Product Recall / Withdrawal Expense — Funds locating, retrieving, repairing, and replacing defective units across a production run.
Completed Operations — Responds to claims arising after the appliance is sold and in service.
General Liability — Protects against third-party injury and property damage arising from operations.
Commercial Property & Equipment Breakdown — Covers the plant, machinery, tooling, and inventory, and repairs production equipment after a failure.
Vendors / Contingent Product Liability — Addresses exposure from component and foreign suppliers who can't be reached or insured.
Workers' Compensation, Commercial Auto, Umbrella / Excess Liability — Round out the program for staff, fleet, and the large limits fire and injury claims demand.
What's Commonly Overlooked
Appliance manufacturing programs are often weakened by:
Product liability limits set too low for multi-unit fire and water losses
No recall coverage despite defects typically spanning a production run
Completed-operations coverage overlooked for a long-lived product
Gaps in vendors coverage for imported components
Warranty and contractual obligations left unaddressed
These gaps typically surface at claim time — not before.
A defective appliance is blamed for a house fire
A failed water connection or valve causes major water damage
An electrical fault leads to a shock or electrocution claim
A defect spanning a production run forces a recall
An imported component causes a failure the supplier won't answer
A single multi-unit defect can generate claims for years.
Why Proper Placement Matters
Coverage varies significantly based on:
The appliance type and its fire, water, or electrical exposure
Domestic manufacturing versus imported components
Production volume and units in the field
Distribution channels and warranty obligations
Quality control and recall preparedness
Improper placement can leave the fire, water, and electrocution exposures — the heart of the risk — underinsured.
Our Approach
At Cory Washington & Co., we build appliance manufacturing programs around the product's real failure modes — fire, water, and electrocution — then layer recall, completed-operations, vendors, and property coverage so a defect is answered across every unit it reaches. For the dealers and servicers downstream, see our appliance store and appliance repair pages.
Build it for the home. Insure it for the life of the product.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages an appliance manufacturing business may carry — core, prevalent, and situational — plus the gap most often missed, in the Appliance Manufacturing Coverage Checklist.
Complete the Appliance Manufacturing Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get appliance manufacturing insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate appliance manufacturing insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What drives the cost of appliance manufacturing insurance?
It depends on your exposure. Appliance manufacturing insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Do I need appliance manufacturing insurance?
Whether appliance manufacturing insurance is strictly required depends on your state, your contracts, and your lenders or clients. Even where it is not mandatory, going without it can leave serious financial gaps. We assess your exposure and any contractual requirements, then structure coverage that meets both.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.