average product liability claim against Arizona manufacturers — and 60% of manufacturers are underinsured for this exposure
Product liability limits set years ago, equipment breakdown exclusions, and workers comp misclassification are the three most costly coverage gaps in Phoenix manufacturing. A free review finds them before a claim does.
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Manufacturing has the highest average claim severity of any commercial industry — and the three most common coverage errors are all preventable with a proper review.
Product liability limits are typically set at policy inception based on revenue at that time. As revenue grows, many manufacturers never update their limits — leaving millions in potential exposure covered by policies written for a fraction of their current scale. The potential average claim of $2.1M exceeds many manufacturers' current limits.
Equipment breakdown is explicitly excluded from most commercial property policies. When a CNC machine, industrial press, or electrical system fails catastrophically, the repair or replacement cost — plus the business interruption — falls entirely on the manufacturer. Equipment breakdown coverage is a separate policy most operators don't have until they need it.
Manufacturing has the most NCCI classification codes of any industry — and the highest rate of misclassification. A production worker coded as a clerical worker, or a quality control inspector coded as assembly labor, can create significant premium errors in either direction. Most manufacturers have never had their codes professionally reviewed.
We review your general liability product limits, equipment breakdown coverage status, and workers comp classifications — comparing against current benchmarks for Phoenix manufacturers your size and product type. You get a detailed report with every finding and dollar impact.
With $165B in TSMC investment driving 40+ new supplier firms to Phoenix since 2021, the local manufacturing sector is growing faster than most insurance programs are being updated. Policies written 3 years ago may significantly underestimate current product liability exposure for today's revenue levels.
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