Auto Parts Manufacturing Insurance Coverage Checklist
The coverages an auto parts 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 automotive parts and component manufacturers supplying vehicle makers and the aftermarket. Priorities reflect typical exposure for this class; confirm against your actual parts, plants, and OEM contracts.
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 crash and injury claims from parts you make — safety-critical systems carry the most severe exposure. | Core | |
| Automotive Product Recall | Pays recall and field-action costs automakers pass back to suppliers — products liability does not. | Core | |
| Commercial Property & Business Income | Covers plant, presses, and inventory, plus income lost while production is down. | Core | |
| Commercial General Liability | Covers premises and operations claims at plants and customer sites. | Core | |
| Umbrella / Excess Liability | Adds limits for serious crash claims; OEM contracts often require high limits. | Core | |
| Manufacturer's Errors & Omissions | Covers OEM financial losses from defective parts, such as line stoppages and rework. | Prevalent | |
| Contingent Business Income | Covers income lost when a key supplier or customer plant shuts down. | Prevalent | |
| Workers' Compensation | Required by law; press, machining, and lifting injuries. | Prevalent | |
| Equipment Breakdown | Covers presses, CNC machines, furnaces, and robotics. | Prevalent | |
| Property of Others / Customer Tooling | Covers OEM-owned tools and dies held at your plant. | Situational | |
| Cyber / Privacy Liability | Covers ransomware on production systems and OEM portals. | Situational | |
| Foreign Liability | Needed for plants, sales, or staff outside the U.S. | Situational |
The coverage gap most often missed
The gap most often missed by auto parts makers is automotive recall cost. Automakers increasingly trace recalls to suppliers and recover the cost through supply contracts and warranty chargebacks, and the Takata recall showed how quickly those costs can reach billions. Products liability pays for injuries, not for pulling and replacing parts in vehicles already on the road. Confirm what your OEM contracts make you pay, add automotive recall coverage sized to that exposure, and consider contingent business income for single-source suppliers.
Send us the checklist and we'll review your auto parts manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Auto Parts Manufacturing Insurance · Auto Parts Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an auto parts manufacturing business need?
The core coverages for an auto parts manufacturing business are Products Liability, Automotive Product Recall, Commercial Property & Business Income, Commercial General Liability, Umbrella / Excess Liability. 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 auto parts 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.