Electronics Manufacturing Insurance Coverage Checklist
The coverages an electronics 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 electronic component makers, board assemblers, and electronics contract manufacturers. Priorities reflect typical exposure for this class; confirm against your actual products, end markets, and 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 |
|---|---|---|---|
| Commercial General & Products Liability | Covers fires, shocks, and injuries from products or components you make — battery and power products carry the most severe exposure. | Core | |
| Manufacturer's Errors & Omissions | Covers customers' financial losses from defective parts — rework, line stoppages, and field replacement — that products liability excludes. | Core | |
| Commercial Property & Business Income | Covers plant, SMT lines, and inventory, plus income lost while production is down. | Core | |
| Product Recall | Pays to recall and replace products or components — including customer recall costs passed back to you. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for fire and serious injury claims; OEM contracts often require it. | Prevalent | |
| Equipment Breakdown | Covers SMT, reflow, and test equipment and the spoilage that follows a breakdown. | Prevalent | |
| Cyber / Privacy Liability | Covers ransomware on production systems and loss of customer design files. | Prevalent | |
| Contingent Business Income | Covers income lost when a key supplier's plant shuts down. | Situational | |
| Aircraft Products Liability | Needed if any component goes into aircraft — usually excluded under standard products coverage. | Situational | |
| Workers' Compensation | Required by law; solvent, solder, and repetitive-motion injuries. | Situational | |
| Ocean / Inland Cargo | Covers parts and finished goods in transit, including imported components. | 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 electronics manufacturers is customer financial loss. When a bad component forces an OEM to rework boards, stop a line, or replace units in the field, the claim is for money, not bodily injury or property damage — so products liability usually won't respond. Contracts often make you pay for that rework and for counterfeit parts. Battery and power products add severe fire exposure. Confirm you carry manufacturer's E&O, review contract caps on consequential damages, and check whether aircraft or battery products are excluded.
Send us the checklist and we'll review your electronics manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Electronics Manufacturing Insurance · Electronics Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an electronics manufacturing business need?
The core coverages for an electronics manufacturing business are Commercial General & Products Liability, Manufacturer's Errors & Omissions, Commercial Property & Business Income. 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 electronics 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.