Appliance Manufacturing Insurance Coverage Checklist
The coverages an appliance manufacturing business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for household and commercial appliance makers and brand owners. Priorities reflect typical exposure for this class; confirm against your actual products and channels.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products Liability | Covers house fires and injuries blamed on your appliances, including property insurers' subrogation suits. | Core | |
| General Liability | Covers premises and installation work. | Core | |
| Commercial Property | Covers the plant, tooling, and finished goods. | Core | |
| Workers' Compensation | Covers assembly, warehouse, and service employees. | Core | |
| Product Recall Expense | Pays to notify owners, repair, or replace recalled units — appliance recalls can reach millions of units. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over products liability; big-box retailers often require it. | Prevalent | |
| Cargo / Stock Throughput | Covers goods shipped from overseas factories and to retailers. | Prevalent | |
| Directors & Officers Liability | Covers leadership — executives have been personally charged for late safety reporting. | Prevalent | |
| Cyber Liability | Covers connected appliances, apps, and owner data. | Situational | |
| Warranty / Service Contract Coverage | Backs extended warranties and service plans you sell. | Situational |
The coverage gap most often missed
The gap most often missed by appliance makers is the cost of reporting late. Gree's dehumidifier fire case was the first corporate criminal case ever brought under the Consumer Product Safety Act — a $91 million resolution — and two executives were indicted. Fines are often not insurable, and standard products policies exclude recall costs. Keep a written 24-hour reporting process, ask about recall coverage, and confirm your D&O policy covers regulatory investigations.
Send us the checklist and we'll review your appliance manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Appliance Manufacturing Insurance · Appliance Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an appliance manufacturing business need?
The core coverages for an appliance manufacturing business are Products Liability, General Liability, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my appliance manufacturing coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.