Manufacturing Insurance in Arlington, Texas
We write manufacturing insurance for Arlington production operations exclusively. More than 20 years of specializing in manufacturers means Arlington’s light industrial and DFW aerospace-supply manufacturing risk is already familiar territory to our underwriters. Request a quote and get real numbers back within 24 to 48 hours.
What Does Manufacturing Insurance Cost for a Arlington Factory?
Arlington manufacturers with fewer than 20 employees generally see $3,000 to $6,000 a year for a bundled general liability and property policy, workers’ comp elective, with mid-size shops paying $10,000 to $25,000 once product liability and equipment breakdown are included.
| Facility Size | Typical Annual Premium | What Drives It |
|---|---|---|
| Small shop (under 20 employees) | $3,000 to $6,000/yr | A bundled general liability and property package, with workers’ comp optional, for light manufacturing |
| Mid-size plant (20 to 150 employees) | $10,000 to $25,000/yr | Adds product liability for shipped parts plus equipment breakdown for production machinery |
| Large or high-risk facility | $50,000 to $100,000+/yr | Operations with heavy machinery, several sites, or hazardous materials classifications |
Figures are based on national manufacturing insurance cost data.
What Coverage Types Does a Manufacturer Need?
Most Arlington manufacturing operations need five coordinated policies, not one bundled product:
General Liability
Third-party injury and property damage protection.
Commercial Property
Your building, equipment, and inventory.
Workers’ Compensation
Coverage for employee injuries on the job.
Equipment Breakdown
Mechanical and electrical failure of production machinery.
Product Liability
Coverage for parts and products after they ship.
Equipment Breakdown
Mechanical and electrical failure of production machinery.
Product Liability
Coverage for parts and products after they ship.
Texas Civil Practice and Remedies Code Section 82.002 requires a manufacturer to indemnify and hold a seller harmless, unless the seller’s own negligence caused the loss. That indemnification duty is why product liability coverage is not optional for any Arlington manufacturer, regardless of how small the operation.
Drawn from Texas Civil Practice and Remedies Code Section 82.002, on indemnification duties.
These five lines apply the same way statewide, so see our full Texas manufacturing insurance overview for requirements that go beyond Arlington.
How Does Texas’s Workers’ Compensation System Work?
Most Arlington employers can choose non-subscriber status under Texas Labor Code Chapter 406, opting out of workers’ compensation entirely.
Non-subscriber Arlington employers under Chapter 406 face Section 406.033’s trade-off directly: no mandatory coverage, but three fewer legal defenses.
Cited from Texas Labor Code Section 406.033, governing non-subscribing employers’ legal defenses.
Arlington’s Real Manufacturing Base
Arlington sits inside the Dallas-Fort Worth metro’s real aerospace and defense manufacturing corridor.
- Bell Textron’s real Fort Worth rotorcraft plant and the broader DFW aerospace cluster of more than 600 companies, per the Fort Worth Report, place Arlington’s own manufacturers inside a genuinely large regional supply chain.
- The Dallas-Fort Worth metro’s manufacturing base spans electronics, aerospace, and industrial equipment at real scale, meaning Arlington shops compete and supply within a substantial regional economy.
- General Motors’ Arlington Assembly plant has built vehicles in the city since 1954 and today manufactures the Cadillac Escalade, GMC Yukon, Chevrolet Suburban, and Chevrolet Tahoe on a 250-acre, 4.375-million-square-foot site, according to GM’s own site.
Why Arlington Manufacturers Choose Manufacturing Insurance Group
We work with manufacturers exclusively
Every carrier relationship we maintain exists to serve manufacturers. That focus means light industrial and DFW aerospace-supply manufacturing risk is already understood before we ask anything.
We reach markets a general commercial agent simply can’t quote
Specialty insurers built for light industrial and DFW aerospace-supply manufacturing risk are not on a standard agency’s carrier list. We place Arlington manufacturers directly with the ones who are.
Your coverage reflects the equipment you operate
What drives risk for a Arlington manufacturer in light industrial and DFW aerospace-supply manufacturing is the process on the floor, not the revenue line. We price accordingly.
Getting a Quote for Arlington Manufacturing Insurance
Ready to protect your operation? Get expert guidance and a custom quote today.
Frequently Asked Questions About Manufacturing Insurance in Arlington
Is workers’ compensation insurance required for every Arlington manufacturer?
Under Texas Labor Code Chapter 406, most Arlington employers can lawfully elect not to carry workers’ compensation. Section 406.033 removes three common-law defenses for those who elect non-subscriber status.
What does manufacturing insurance cost in Arlington?
Arlington manufacturers with fewer than 20 employees generally see $3,000 to $6,000 a year for a bundled general liability and property policy, workers’ comp elective, with mid-size shops paying $10,000 to $25,000 once product liability and equipment breakdown are included.
Does Texas require a manufacturer to indemnify a seller for product defect claims?
Yes, under Section 82.002 a Texas manufacturer must hold the seller harmless from products-liability losses the seller didn’t negligently cause.
What is the minimum liability coverage required for a manufacturer in Texas?
Texas leaves general liability minimums to contract, not statute. Most manufacturing supplier agreements require $1 million per occurrence and $2 million aggregate as a baseline, with tier-1 suppliers often needing more.
What is the broader manufacturing base like around Arlington?
Arlington sits inside the Dallas-Fort Worth metro’s aerospace and defense manufacturing corridor, home to more than 600 aerospace and defense companies including Bell Textron and Lockheed Martin, per the Fort Worth Report.