Industrial Machinery Manufacturing Insurance Coverage Checklist
The coverages an industrial machinery 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 manufacturers and rebuilders of industrial machinery. Priorities reflect typical exposure for this class; confirm against your actual machines and services.
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 injuries to your buyers' workers, often decades after a machine was sold. | Core | |
| General Liability / Completed Operations | Covers installation and service work after the job is finished. | Core | |
| Commercial Property | Covers the plant, machine tools, and work in progress. | Core | |
| Workers' Compensation | Covers fabrication, assembly, and field service employees. | Core | |
| Umbrella / Excess Liability | Adds limits over products liability; amputation claims can run into millions. | Prevalent | |
| Errors & Omissions | Covers claims that a machine did not meet promised output or uptime. | Prevalent | |
| Equipment Breakdown | Covers sudden failure of your own production equipment. | Prevalent | |
| Product Recall / Retrofit Expense | Pays for safety retrofit campaigns on machines in the field. | Situational | |
| Foreign Liability | Covers suits outside the U.S. on exported machines. | Situational | |
| Cyber Liability | Covers machines with remote monitoring and update connections. | Situational |
The coverage gap most often missed
The gap most often missed by machinery makers is the long tail. Machines stay in service for decades, injured workers usually cannot sue their own employer, and courts have held later owners of a product line liable for a press built nearly 40 years before the injury. Keep design and sales records for the life of every machine, and when buying another company or product line, confirm who insures the machines it already sold.
Send us the checklist and we'll review your industrial machinery manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Industrial Machinery & Equipment Manufacturing Insurance · Industrial Machinery Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an industrial machinery manufacturing business need?
The core coverages for an industrial machinery manufacturing business are Products Liability, General Liability / Completed Operations, 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 industrial machinery 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.