Manufacturing Insurance in Irving, Texas
Manufacturing Insurance Group has spent more than 20 years insuring manufacturers, and only manufacturers, which is why we understand Irving’s chemicals and industrial materials manufacturing risk the way a generalist agency never could. Request a quote and get real numbers back within 24 to 48 hours.
What Does Manufacturing Insurance Cost for a Irving Factory?
Expect $3,000 to $6,000 a year for a small Irving shop’s general liability and property package, workers’ comp optional, climbing to $10,000 to $25,000 for mid-size operations that add product liability and equipment breakdown.
| Facility Size | Typical Annual Premium | What Drives It |
|---|---|---|
| Small shop (under 20 employees) | $3,000 to $6,000/yr | General liability and property sized for a small production operation, workers’ comp elective |
| Mid-size plant (20 to 150 employees) | $10,000 to $25,000/yr | Layers equipment breakdown and product liability onto the base program as volume grows |
| Large or high-risk facility | $50,000 to $100,000+/yr | Multi-site or heavy-machinery facilities, plus any hazmat classification exposure |
Cost ranges reflect national manufacturing insurance benchmarks.
What Coverage Types Does a Manufacturer Need?
Five coverage lines typically apply to a Irving manufacturer:
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.
A products-liability loss in Texas generally falls to the manufacturer to indemnify under Section 82.002, except where the seller’s negligence is the cause. That indemnification duty is why product liability coverage is not optional for any Irving manufacturer supplying chemicals or industrial materials.
As codified in Texas Civil Practice and Remedies Code Section 82.002, the innocent-seller doctrine.
These five lines apply the same way statewide, so see our full Texas manufacturing insurance overview for requirements that go beyond Irving.
How Does Texas’s Workers’ Compensation System Work?
Under Chapter 406, Irving employers join most private Texas employers in having the option to skip workers’ compensation coverage.
Section 406.033 turns Texas’s elective workers’ comp system into a real risk calculation for Irving employers, not just a premium decision.
Per Texas Labor Code Section 406.033, which sets out the defenses a non-subscriber loses.
Irving’s Real Manufacturing Base
Irving is home to a real, named chemicals manufacturer alongside major corporate headquarters.
- Celanese, a real major chemicals manufacturer, is named among Irving’s top private employers by the Irving Chamber of Commerce, anchoring the city’s genuine industrial materials manufacturing base.
- Commercial Metals Company and Darling Ingredients Inc. both rank among Irving’s top named private employers, according to the Irving Chamber of Commerce, adding metals processing and ingredient manufacturing to the local base.
- ExxonMobil and Fluor maintain real Fortune 500 headquarters in Irving, reflecting the scale of industrial and engineering activity concentrated in the city.
Why Irving Manufacturers Choose Manufacturing Insurance Group
We work with manufacturers exclusively
We built this book one manufacturing account at a time, never branching into other industries. That means chemicals and industrial materials manufacturing exposure is already familiar.
Our book gives us carrier access most agencies don’t have
The right market for chemicals and industrial materials manufacturing risk is rarely a generalist’s standard carrier. We place Irving manufacturers with insurers built for that specific exposure.
We price based on your real operation, not an industry average
A Irving operation’s real chemicals and industrial materials manufacturing risk comes from its specific equipment, not a generic category. We build your policy around what you run.
Getting a Quote for Irving Manufacturing Insurance
Ready to protect your operation? Get expert guidance and a custom quote today.
Frequently Asked Questions About Manufacturing Insurance in Irving
Is workers’ compensation insurance required for every Irving manufacturer?
Workers’ compensation is elective, not mandatory, for most private Irving employers under Texas Labor Code Chapter 406. Non-subscribers lose common-law defenses under Section 406.033.
What does manufacturing insurance cost in Irving?
Expect $3,000 to $6,000 a year for a small Irving shop’s general liability and property package, workers’ comp optional, climbing to $10,000 to $25,000 for mid-size operations that add product liability and equipment breakdown.
Does Texas require a manufacturer to indemnify a seller for product defect claims?
Yes. Texas’s innocent-seller statute, Section 82.002, puts the indemnification burden on the manufacturer for products-liability losses, except seller-caused negligence.
What is the minimum liability coverage required for a manufacturer in Texas?
There is no blanket statutory minimum for general liability in Texas. Manufacturing supply contracts typically set $1 million per occurrence and $2 million aggregate as the floor, higher for tier-1 supplier relationships.
What manufacturers are based in Irving?
Celanese, a major chemicals manufacturer, along with Commercial Metals Company and Darling Ingredients Inc., all rank among Irving’s top private employers according to the Irving Chamber of Commerce.