Packaging & Paper Products Manufacturing Insurance Coverage Checklist
The coverages a packaging & paper products 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 corrugated, folding carton, paper, and food-contact packaging manufacturers. Priorities reflect typical exposure for this class; confirm against your actual plants, products, and customer 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 Property & Business Income | Covers plant, machinery, and roll stock, plus income lost while production is down — paper storage drives large fire losses. | Core | |
| Workers' Compensation | Required by law; corrugators, die cutters, and balers cause amputation and crush injuries. | Core | |
| Commercial General & Products Liability | Covers injury and damage claims from packaging you make, including failures in transit. | Core | |
| Equipment Breakdown | Covers corrugators, boilers, and presses, and the downtime that follows. | Core | |
| Umbrella / Excess Liability | Adds limits above GL, auto, and employer's liability. | Prevalent | |
| Manufacturer's Errors & Omissions | Covers customers' financial losses from packaging defects, misprints, and late delivery. | Prevalent | |
| Product Recall / Contamination (Third-Party) | Covers a customer's recall costs when your packaging contaminates or mislabels its product. | Prevalent | |
| Commercial Auto | Covers delivery trucks and drivers. | Prevalent | |
| Property of Others / Bailee | Covers customer-owned dies, plates, and finished goods you store. | Situational | |
| Pollution Liability | Covers ink, solvent, and wastewater releases. | Situational | |
| Contingent Business Income | Covers income lost when a paper mill or key supplier stops shipping. | Situational | |
| Cyber / Privacy Liability | Covers ransomware on plant systems and customer artwork files. | Situational |
The coverage gap most often missed
The gap most often missed by packaging manufacturers is the customer's loss. When a box fails in transit, a carton is misprinted, or food packaging contaminates the product inside, the customer's claim is often for recall costs, lost product, or a stopped line — financial losses that products liability may not cover. Supply contracts frequently make the packaging maker pay. Review what your contracts require, and confirm you carry manufacturer's E&O and third-party recall coverage, especially for food-contact work.
Send us the checklist and we'll review your packaging & paper products manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Packaging & Paper Products Manufacturing Insurance · Packaging & Paper Products Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a packaging & paper products manufacturing business need?
The core coverages for a packaging & paper products manufacturing business are Commercial Property & Business Income, Workers' Compensation, Commercial General & Products Liability, Equipment Breakdown. 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 packaging & paper products 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.