Plastics Manufacturing Insurance Coverage Checklist
The coverages a plastics 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 plastics processors. Priorities reflect typical exposure; confirm against storage and end uses.
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 (incl. Equipment Breakdown) | Covers the plant, machinery, stock, and lost income after a loss. | Core | |
| Products & Completed Operations Liability | Covers injuries from products sold, for years after the sale — the core coverage for manufacturers. | Core | |
| Product Recall / Contamination | Covers recalls of food-contact, medical, or children's products. | Situational | |
| Umbrella / Excess Liability | Adds limits above primary coverage. | Prevalent | |
| Workers' Compensation | Required in most states; machinery injuries drive the largest claims. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is the plant itself. Stored plastics are a heavy fire load, and resin and regrind dust can explode — a CSB-investigated polyethylene dust explosion killed six workers in 2003. Property underwriters look closely at sprinkler design for stored plastics and dust controls. Processors should confirm their sprinkler design matches storage heights and complete a dust hazard analysis.
Send us the checklist and we'll review your plastics manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Plastics Manufacturing Insurance · Plastics Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a plastics manufacturing business need?
The core coverages for a plastics manufacturing business are Commercial Property & Business Income (incl. Equipment Breakdown), Products & Completed Operations Liability, 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 plastics 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.