Sporting Goods Manufacturing Insurance Coverage Checklist
The coverages a sporting goods 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 sporting goods, fitness, and outdoor product manufacturers and brand owners. Priorities reflect typical exposure for this class; confirm against your actual products and channels.
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 injury claims from your equipment — fitness machines and protective gear bring the largest claims. | Core | |
| General Liability | Covers premises, sponsored events, and demos. | Core | |
| Commercial Property | Covers the plant, molds, tooling, and finished inventory. | Core | |
| Workers' Compensation | Covers plant and warehouse workers. | Core | |
| Product Recall Expense | Pays to notify customers, retrieve, and replace products — recalls can reach millions of units. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over products liability; retailers often require it. | Prevalent | |
| Cargo / Stock Throughput | Covers goods shipped from overseas factories and in transit to retailers. | Prevalent | |
| Regulatory Defense (CPSC) | Covers legal costs of CPSC investigations, where available; fines themselves are often not insurable. | Situational | |
| Cyber Liability | Covers online store and customer data. | Situational | |
| Media / Advertising Liability | Covers claims over performance and safety marketing claims and athlete endorsements. | Situational |
The coverage gap most often missed
The gap most often missed by sporting goods makers is recall cost. Products liability pays for injuries, not for finding, shipping back, and replacing products. In 2025, about 3.8 million adjustable dumbbells were recalled after 111 injuries, and CPSC has fined fitness makers millions of dollars for reporting late. Ask about product recall coverage, and keep a written process for deciding within 24 hours whether a complaint must be reported.
Send us the checklist and we'll review your sporting goods manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Sporting Goods Manufacturing Insurance · Sporting Goods Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a sporting goods manufacturing business need?
The core coverages for a sporting goods manufacturing business are Products Liability, General Liability, 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 sporting goods 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.