Canned Fruit And Vegetable Manufacturers Insurance Pennsylvania Policy Information
Canned Fruit And Vegetable Manufacturers Insurance Pennsylvania. Fruit and vegetable Canneries receive raw goods from farms, orchards, or food brokers. Processing may include removing waste materials from the raw goods, cutting, blanching or cooking, packaging, sealing, and distributing finished goods to customers. Due to the variety of products that fall into this classification, processes and operations may also include blending or deep-fat frying.
Finished goods may include canned fruit, vegetables, jellies, soups, and prepared meals. The finished products may be packaged in metal, glass, paper, or plastic containers. The cannery must follow all Food and Drug Administration regulations to determine the length of time each product is cooked or blanched to kill bacteria and disease that could be transmitted to consumers.
As a canned fruit and vegetable manufacturer, you provide an invaluable service. You are tasked with purchasing fruits and vegetables from either wholesale suppliers or farmers and packaging them to increase their shelf life. The goods you produce are used by general consumers and businesses and serve as a vital source of nutrition.
Purchasing the fruits and vegetables from your suppliers, processing them and packaging them, and distributing the final product requires a great deal of time and money. Additionally, you need to ensure that the products you offer adhere to the stringent standards that are set forth by the Food and Drug Administration (FDA) or the United States Department of Agriculture (USDA). You also rely on a huge team to keep your business operational. Needless to say, as a canned fruit and vegetable manufacturer, you face a great deal of risks. What's the best way to protect your business from these risks? By investing in the right type of canned fruit and vegetable manufacturers insurance Pennsylvania.
Canned fruit and vegetable manufacturers insurance Pennsylvania protects your food manufacturing business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.
Why Do PA Canned Fruit And Vegetable Manufacturers Need Insurance?
While you make every effort to make sure your operation is running smoothly and the products you deliver are safe for human consumption, there's always a chance that something could go wrong. A consumer could claim that one of the products you distributed caused food poisoning. A piece of machinery could malfunction and injury an employee. A vendor could slip and fall while making a delivery. A fire could break out in your PA manufacturing facility.
These are just some of the examples of things that could go wrong. As the owner and operator of your canned fruit and vegetable manufacturing facility, you are responsible for anything that goes awry. Legal defense fees, damages, medical bills, repairs; all of these things can cost an exorbitant amount of money. Having the right type of insurance can help to protect you from having to pay for these expenses out of your own pocket.
Ultimately, canned fruit and vegetable manufacturers insurance Pennsylvania can help you avoid financial ruin and prevent you from potentially losing your business.
What Type Of Canned Fruit And Vegetable Manufacturers Insurance Policies Do You Need?
The specific type of canned fruit and vegetable manufacturers insurance Pennsylvania needed varies and depends on a variety of factors. The location of your PA manufacturing facility, the amount of people you employ, and the size of your operation are just some of the factors that will impact what type of insurance you'll need. However, there are certain policies that all canned fruit and vegetable manufacturers will need to have, including:
- Commercial General Liability - This type of insurance protects you from third-party personal injury and property damage claims. For example, if someone files a lawsuit against you, claiming that your products caused food poisoning, commercial general liability coverage (with product liability) would help to pay for any associated legal defense fees, as well as damages that you may be required to pay.
- Commercial Property - You'll also need to carry commercial property insurance, which protects your commercial building and the contents within it, from certain perils, such as fires, burst water pipes, vandalism, and theft. For instance, if fire were to break out in your plant, commercial property insurance would help to pay for the cost of any necessary repairs. It would also help to cover any new equipment or machinery that you might need to purchase.
- Workers Compensation - As an employer, you are legally responsible for providing your employees with a safe place to work. If any workplace injuries or illnesses occur, you are liable for the medical expenses, and would also have to cover the cost of wages that an employee might lose while recovering. Workers' comp insurance covers these expenses in the event that an employee does sustain a work-related injury or develops an illness as a result of work conditions.
- Business Auto - If you rely on vehicles to transport the canned fruit and vegetables you produce, you'll also need to carry commercial auto insurance. In the event that an accident occurs with one of your work vehicles, this coverage will pay for any damages.
These are just a few of the examples of the canned fruit and vegetable manufacturers insurance Pennsylvania coverage you will need to invest in.
PA Canned Fruits And Vegetables Manufacturing Risks & Exposures
Premises liability exposure is moderate as drivers of pickup and delivery vehicles, repairmen, and inspectors regularly visit the premises. There must be clear markings as to where trucks may go, and their movements must be controlled to keep the area safe and secure. If tours are given or retail operations are conducted on premises, all life safety codes must be met to assure visitor safety. Good housekeeping is critical due to the potential for slips and falls. Spills of liquids should be promptly cleaned up and warning signs posted.
Exits should be clearly marked and free of obstacles. Adequate interior and exterior lighting should be available in the event of a power outage. Parking lots and sidewalks need to be in good repair, with snow and ice removed.
Products exposures are high due to the possibility of contamination, spoilage and foreign objects in canned goods. Raw milk and meat products should be tested before processing. Botulism can occur within the can itself or can result from problems in processing or sealing. Cans should be inspected prior to filling. The workplace must meet all FDA specifications for sanitary working conditions and be arranged to prevent foreign substances from entering the processing area. An on-site laboratory is recommended to verify quality control. Controls must be in place to prevent contamination from exposure to chemicals such as insecticides and pesticides used to contain insect or rodent infestations. Stock dating and rotation are important factors. An effective recall program must be in place for quick activation.
Environmental impairment exposure is from underground fuel storage, leakage of refrigerants such as ammonia and chlorofluorocarbons, and waste disposal. Storage and waste disposal must comply with all federal and state requirements. Waste should be taken from the site on a regular basis by outside contractors. If wastewater is discharged into public waterways, a permit must be obtained from the EPA. The presence of underground storage tanks usually means that a UST policy must be purchased.
Workers compensation exposures are high due to burns caused by the cooking and processing machinery and equipment, back or hernia injuries due to lifting, foreign objects in the eyes, and cuts from cans. Employees may be exposed to chemicals, fungi, or excessive noise. Guards must be in place on machinery and employees should be provided with adequate safety equipment. Forklifts should be equipped with backup alarms and refueled in well-ventilated areas. Slips and falls can result if the floors and premises are not kept clean.
Anhydrous ammonia refrigerants are poisonous when leaked into confined spaces such as coolers. Controls must be in place to maintain, check, and prevent such injury. The seasonality of operations may require additional training and supervision of workers as turnover may be high. Drivers may be injured in vehicle accidents or from slips and falls and lifting injuries at customers' premises.
Property exposures are significant. Ignition sources include the cooking, refrigeration and automated conveyance and processing machinery, electrical wiring, and heating and air conditioning systems. All machinery and equipment must be inspected and maintained regularly to avoid wear and tear or overheating losses. Wiring must be up to date and of sufficient capacity. All machinery should be grounded to prevent static buildup and discharge. Due to its combustibility, an ammonia detection system should be in place if ammonia is used as a refrigerant. A small fire or power outage of even moderate duration could result in a total loss as state, local, or federal regulations may require the disposal of major portions of stock and raw materials that have been exposed to fire, smoke, heat or water.
Raw materials and final products should be stored away from the processing operations. Spoilage losses can be severe if the refrigeration and cooling equipment malfunctions or loses power. Controls, such as alarms, must be in place to warn if power is out or if the temperature rises in coolers and freezers. Emergency backup systems, such as generators, should provide power if an outage or shutdown occurs. The business income exposure can be very high as some production equipment may be difficult to repair or replace quickly.
Equipment breakdown exposure is high due to the automated machinery and equipment. All machinery and equipment must be regularly inspected and maintained. If there are boilers, operational safety valves must be in place.
Crime exposure is employee dishonesty of both inventory and money. Background checks should be conducted on all employees. The inventory must be under the supervision of more than one individual so that there are checks and balances. There must be a separation of duties between persons handling deposits and disbursements and handling bank statements. Regular audits by an outside firm should be conducted. Loading docks should be supervised to minimize employee theft of finished goods. If drivers pick up checks or accept money, there is both an employee dishonesty and theft of money and securities concern. Receipts should be issued for any cash payments received.
Inland marine exposure comes from accounts receivable if the cannery bills customers, computers (which may include computer-run processing equipment), goods in transit, and valuable papers and records. Overturn or collision may result in a total loss with no salvage due to the potential for contamination. Trucks must be well maintained and inspected regularly. Valuable papers and records include proprietary recipes, inventory records, customer files, quality control records, and contracts with suppliers and distributors.
Commercial auto exposures can be significant if the cannery picks up raw materials from farms or distributors or delivers finished goods to customers. All drivers must have a commercial license and acceptable MVRs. Vehicles must be regularly maintained with records kept in a central location. For long-haul deliveries, drivers may not exceed DOT standards for the number of hours worked per day and per week.
Canned Fruit And Vegetable Manufacturers Insurance - The Bottom Line
To find out more about the specifics of insurance coverage, including the amount of coverage you should carry and any other additional policies you should invest in, speak with a reputable agent that has experience in manufacturing insurance. By investing in the right type of canned fruit and vegetable manufacturers insurance Pennsylvania for your business, you will have peace of mind knowing you are properly covered.
Pennsylvania Economic Business Outlook & Commercial Insurance Requirements
While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.
If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.
Pennsylvania's Economy Now And Into The Future
In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.
The job market is expected to see steady growth in Pennsylvania during the 2019 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.
For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2019 calendar year. Other industries that are forecasted to see growth include:
- Printing & Publishing
If you are thinking about doing business in PA, working in one of these industries will likely afford you success.
Insurance Requirements For Businesses In Pennsylvania
The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.
While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.
Additional Resources For Manufacturing & Wholesaler Insurance
Read informative articles on small business manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.
- Canned Fruit & Vegetable Manufacturers
- CBD Oil And Hemp
- Machine Shop
- Product Liability
- Wholesaler Distributor
For manufacturers and wholesalers, having the proper coverage is very important. You will need Products/Completed Operations Liability Coverage to protect you against injuries or property damage cause my the products you make or sell.
Manufacturing is an extremely broad category that includes countless potential hazards and exposures in virtually all coverage areas. Because of this, every individual manufacturer is unique and a specific risk survey of every operation is advisable.
The basic insurance needs for every class of business or operation includes property coverage for buildings, machinery and equipment, as well as for raw stock and finished products. Liability insurance for premises exposures is important but products liability insurance presents greater concerns so these exposures and coverage needs must be evaluated carefully.
In addition, protection for injuries to workers, environmental coverages and automobile insurance are priority items.
Wholesale and distribution operations have many of the same physical damage and property coverage concerns as warehouse operations. In both, the value of both real property and stocks of merchandise is very high. Loss control and other techniques appropriate to the types of merchandise involved are needed. For these reasons, adequate and appropriate property insurance coverages are important.
The commercial auto exposure can also be significant, based on the extent of merchandise delivery. In addition, transportation or motor truck cargo insurance on the merchandise must also be arranged.
Employee theft is always an issue and can be a significant exposure, depending on the type of property involved. Finally, the types of merchandise and material handled makes workers compensation insurance another very important coverage.
What does the insured does that could result in a covered loss? The insuring agreement only requires that the insured be legally obligated to pay damages for injury to others or damage to their property included within the products-completed operations hazard covered by the insurance.
Because of this, every product manufactured and completed operation exposure for each named insured must be determined, described and evaluated to be certain that each represents acceptable exposures, or are acceptable classes of business to the insurance company providing coverage.
Once the extent of all business activities and operations is determined, the process of identifying hazards begins. The first step in the process is completely listing and describing all current products being manufactured and projects being worked on.
The next step is obtaining the same information for discontinued products and completed projects for the past five to 10 years, depending on the products or projects involved. This should include an explanation of why the products were discontinued. If some completed projects were of a different type than those currently being worked on, an explanation is in order, including whether the insured may resume them in the future.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income with Extra Expense, Equipment Breakdown, Employee Dishonesty, Accounts Receivable, Bailees Customers, Computers, Goods in Transit, Valuable Papers and Records, General Liability, Employee Benefits Liability, Environmental Impairment Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Flood, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.
Request a free Canned Fruit And Vegetable Manufacturers Insurance Pennsylvania quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other cities in PA - The Keystone State.
Also learn about Pennsylvania small business insurance requirements for general liability, business property, commercial auto & workers compensation including PA business insurance costs. Call us (267) 296-1099.