Safety Manager (General Industry) Insurance Coverage Checklist
The coverages a safety manager (general industry) 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 firms placing safety and EHS managers at plants, warehouses, and facilities. Priorities reflect typical exposure for this class; confirm against your actual placements 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 |
|---|---|---|---|
| Workers' Compensation / Employer's Liability | Covers staff placed at client plants — required for every placed employee. | Core | |
| Professional Liability (incl. | Bodily Injury) Covers claims your staff's safety decisions caused injury — many E&O forms exclude it. | Core | |
| General Liability | Covers injuries and damage your staff cause at client sites. | Core | |
| Alternate Employer / Waiver Endorsements | Meets client requirements when staff work under their direction. | Prevalent | |
| Contractual Liability | Confirms indemnities in placement agreements are covered. | Prevalent | |
| Employment Practices Liability (incl. Third Party) | Covers claims by placed staff and by client employees. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff driving between client sites. | Prevalent | |
| Umbrella / Excess Liability | Adds limits industrial clients require. | Prevalent | |
| Pollution / Industrial Hygiene E&O | Needed if staff run exposure monitoring. | Situational | |
| Fidelity / Crime | Covers misuse of client systems or funds by placed staff. | Situational |
The coverage gap most often missed
The gap most often missed by firms that place safety managers is who is in control. Placed staff work under the client's direction but on your payroll, so injury claims can reach you through your staff's decisions — a staffing agency was sued with a poultry plant after a young worker died cleaning an energized machine. Confirm your professional policy covers bodily injury, carry alternate employer endorsements clients ask for, and define duties and authority in every placement agreement.
Send us the checklist and we'll review your safety manager (general industry) coverage line by line, then market it across multiple carriers that compete for your account.
Related: Safety Manager Insurance · Safety Manager (General Industry) Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a safety manager (general industry) business need?
The core coverages for a safety manager (general industry) business are Workers' Compensation / Employer's Liability, Professional Liability (incl., General 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 safety manager (general industry) 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.