Retail & Manufacturing Insurance in Washington

Coverage for the Businesses That Build and Sell What We Use Every Day

Whether you're running a storefront, managing inventory, or overseeing production, you face unique risks—from customer injuries to equipment breakdowns and supply chain issues.



At Strategy Insurance Brokers LLC, we help Washington-based retailers and manufacturers find the coverage they need to protect operations, products, and people. With decades of experience and access to multiple carriers, we build custom insurance strategies that match how your business actually works.

What Does Retail & Manufacturing Insurance Cover?

A tailored policy for retailers or manufacturers might include:

General Liability Insurance

Covers third-party injuries, property damage, and product-related claims.

Commercial Property Insurance

Protects your building, equipment, signage, and inventory against fire, theft, and other losses.

Business Interruption Coverage

Reimburses lost income if your operations are temporarily shut down due to a covered event.

Product Liability Insurance

Critical for manufacturers—covers legal and financial fallout if a product causes injury or damage.

Workers Compensation

Covers medical bills and lost wages for employees injured on the job.

Equipment Breakdown

Pays for repairs or replacement if key machinery or systems fail unexpectedly.

Who Needs Retail & Manufacturing Coverage?

We help businesses of all sizes protect their physical operations and product lines, including:


  • Retail Shops & Boutiques
  • Warehouses & Distribution Centers
  • Manufacturers & Fabricators
  • Food & Beverage Production
  • Apparel & Consumer Goods Makers
  • E-Commerce Businesses with Inventory

Retail & Manufacturing Insurance FAQs

  • What kind of insurance do retail businesses need?

    Retailers typically need general liability, property coverage, and business interruption insurance. If you sell products, product liability is also important to cover claims from faulty or dangerous goods.

  • What insurance is most important for manufacturers?

    Manufacturers should have property insurance (for equipment and facilities), product liability, workers compensation, and equipment breakdown coverage at a minimum.

  • Is online retail covered under these policies?

    Yes—e-commerce businesses can be insured under retail or hybrid policies. We tailor coverage based on how you sell, ship, and store your inventory.

  • What if I lease my space?

    No problem—we’ll help you insure the contents, improvements, and inventory you own. We’ll also review your lease requirements to make sure you’re fully covered.

  • Do I need product liability if I don’t make the products I sell?

    You might. In some cases, even resellers or retailers can be pulled into lawsuits if a product causes harm. We’ll help you understand where your liability starts and ends.

  • Can I bundle policies for savings?

    Yes—we often build comprehensive packages that include property, liability, and workers comp, helping simplify coverage and reduce overall cost.