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Camping Equipment Manufacturers Insurance Policy Information

Camping Equipment Manufacturers Insurance

Camping Equipment Manufacturers Insurance. As camping rises in popularity, companies who manufacture camping equipment are hard at work to meet the needs of this growing market.

Manufacturers in this industry may make anything from tents, sleeping bags, and camping pillows, to medical kits, tools, and water bottles designed with recreational campers and survivalists in mind. Some companies manufacture a wide range of different products, while others specialize in only one type of product, or even component.

Camp equipment manufacturers produce a variety of goods for outdoor recreational use, including textile products such as tents, cots, bags, or ropes, and metal-type products such as axes, saws, or knives, eating utensils, portable cooking, heating or lighting devices and survival gear.

Operations for cloth items include cutting, sewing, and assembly. Metal items may be cast, drawn, extruded, punched, or cut from sheets, then joined with seams, rivets, hinges, or screws. There may be some soldering or spot welding.

Because of the varieties of materials and processes involved, the different phases of manufacture are often carried out in different locations or in different countries.

Just like their end customers, the adventurers who will use their camping equipment, companies that make camping gear should be prepared for anything. Numerous perils - some familiar, some you'll never even have considered - can befall camping gear manufacturers.

Should the worst happen to your company, you can breathe a sigh of relief if you previously invested in top-notch insurance coverage.

What kind of camping equipment manufacturers insurance do companies that make camping equipment need, though? This overview will get you started.

Camping equipment manufacturers insurance protects your manufacturing business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked camping equipment manufacturing insurance questions:

What Is Camping Equipment Manufacturers Insurance?

Camping equipment manufacturers insurance is a type of insurance coverage specifically designed for companies that manufacture camping gear such as tents, sleeping bags, backpacks, stoves, and other outdoor equipment.

This insurance policy protects manufacturers against a variety of risks associated with their operations, including product liability claims, damage or loss of property, and financial loss due to business interruption. The coverage may also include protection against lawsuits, damage to equipment and machinery, and theft or destruction of inventory.

This insurance is designed to help protect manufacturers from the financial burden of unexpected events, allowing them to continue their operations with peace of mind.

How Much Does Camping Equipment Manufacturers Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small camping equipment manufacturing businesses ranges from $57 to $79 per month based on location, size, revenue, claims history and more.

Why Do Camping Equipment Manufacturers Need Insurance?

Insurance For Manufacturers

A wide range of different threats, all of which can have consequences devastating to your company and its finances, always looms. That is true even if you own the most well-run company in the world, and especially in the manufacturing industry. Some unforeseen circumstances can befall almost any line of work, while others are unique to your own industry.

You need the right camping equipment manufacturers insurance coverage because you don't want your company to face massive financial losses in the event of a theft or criminal property damage, which could rob you of manufacturing equipment as well as inventory, and in some cases even destroy your facility.

You want to be protected in case a disastrous act of nature - a wildfire, a hurricane, an earthquake, or a flood, for instance - wreaks havoc.

Even the sudden breakdown of crucial machinery can be costly, leading to double damage in the form of interruptions to your production line as well as repair or replacement costs. Workers or third parties can sustain injuries on your premises, or your company's activities may damage a third party property.

You may also have questioned what would happen if a product you manufactured leads a user to become injured; the collapse of a tent can cause both blunt trauma and suffocation, and a sleeping bag that catches fire may end with very serious burns. In some cases, your company could be held legally liable.

Though you hope that none of these terrifying circumstances will affect your company, the simple truth is that accidents, crime, and acts of nature can strike any business. With the right camping equipment manufacturers insurance, you will be protected.

What Type Of Insurance Do Camping Equipment Manufacturers Need?

Your insurance needs are as unique as your business. They will be determined, among other things, by the size of your company, the location of your manufacturing facility, and the risk profile of the precise kinds of camping equipment your company produces.

These same factors will also influence the cost of your policy. Because of this, you are advised to consult a commercial insurance agent. Essential kinds of camping equipment manufacturers insurance include:

  • Commercial Property: This key type of insurance serves to protect both your physical building and the assets inside - machinery, inventory, furniture, and computers, for example - should your facility be hit by events like fire, vandalism, and theft.
  • General Liability: This type of insurance protects companies against third party bodily injury and property damage claims, in which case it helps cover both legal expenses and medical or damage repair costs. An example of an event that calls for general liability insurance is the fall of a third party on your premises.
  • Product Liability: This type of liability insurance safeguards you in case one of your products malfunctions, causing injury or property damage to third parties. Available options vary, however, it can also cover financial losses due to the need for product recall.
  • Workers Compensation: Should one of your employees suffer a workplace injury, this type of insurance covers their medical expenses as well as any lost wages if they cannot return to work (for a time).

Be aware that these are examples of the kinds of insurance you will need as a manufacturer of camping equipment, as well as that the cost of your insurance will vary.

To get the best camping equipment manufacturers insurance tailored to your company's needs, discuss the options at your disposal with a seasoned agent who specializes in commercial insurance.

Camping Equipment Manufacturing's Risks & Exposures


Premises liability exposure is usually low due to lack of access by visitors. If there is a showroom, visitors may be injured by slips, trips, or falls. Fire, fumes, dust, and noise from woodwork or metalwork could pose a nuisance hazard to neighbors.

Products liability exposure can be moderate to high depending on the type of camping equipment manufactured and its end use. The failure of the family tent may result in everyone getting wet, but the failure of a tent intended for arctic survival could result in death by freezing.

Sharp edges can result in cuts and other injuries. Malfunctioning cooking and heating equipment could cause a fire, or release toxic fumes in an enclosed area. Products must comply with all governmental regulations, guidelines, and standards.

Environmental impairment exposure is high due to possible contamination of ground, air, and water from chemicals and toxic lubricants, solvents, and paints used in the manufacturing process. Raw materials may be toxic and flammable.

Fumes and improper disposal of scrap can result in air, ground, or water contamination. Disposal procedures must adhere to all EPA and other regulatory standards.

Workers compensation exposure can be high. Common hazards include injuries from production machinery, burns, minor cuts, slips, trips, falls, foreign objects in the eye, hearing loss from machinery noise, back injuries from lifting, and repetitive motion injuries. Workstations must be ergonomically designed.

Employees should be provided with safety training, protective equipment, and guards on machines. Areas that generate dust from metal or woodwork, or use spray-painting, require respiratory protection devices, as well as eye protection and eye wash stations.

Cumulative exposure to chemicals, dyes, sizing and other substances can result in occupational diseases. Workers must be made aware of the potential side effects of the ingredients they work with, including long-term occupational disease hazards, so they can recognize symptoms and obtain treatment as early as possible.

Property exposures consist of an office, plant, and warehouse for raw materials and finished goods. Ignition sources include electrical wiring, heating systems, and production machinery. Dust from textiles, fabric coatings, cutting, sanding, buffing, and polishing may present an explosion hazard. Metalworking may include soldering or welding that may generate sparks. These operations should be conducted away from combustibles.

Flammable liquids, glues, paints, and varnishes should be kept to a minimum in the processing area and stored in approved containers in isolated areas. Hazards increase in the absence of controls, such as dust collection systems or booths with UL-approved fixtures for spray painting. The manufacture or repackaging of fuels or lubricants presents a fire or explosion hazard.

Machinery needs proper maintenance to prevent overheating and wear. Poor housekeeping, such as failure to collect and dispose of scraps on a regular basis, could contribute significantly to a loss. Unless disposed of properly, greasy, oily rags (such as those used to clean the machinery) can cause a fire without a separate ignition source.

Sprinklers may be advisable. Appropriate security controls must be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

Equipment breakdown exposures include malfunctioning production equipment, dust collection and ventilation systems, electrical control panels and other apparatus. A lengthy breakdown to production machinery could result in a severe loss, both direct and under time element.

Crime exposures are chiefly from employee dishonesty and theft of money and securities. Employees may act alone or in collusion with outsiders in stealing money, raw materials, or finished stock. Background checks should be conducted on all employees. There must be a separation of duties between persons handling deposits and disbursements and handling bank statements.

There should be security methods in place to prevent theft. Appropriate security controls must be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

Inland marine exposures include accounts receivable if the manufacturer offers credit, computers (which may include computer-run production equipment), exhibitions, goods in transit, and valuable papers and records for customers' and suppliers' information.

Raw stock and work in process may be transported between different buildings or locations. The primary exposures to loss are from fire, theft, collision, overturn, and water damage.

Business auto exposure may be high if the manufacturer transports raw materials or finished products. Manufacturers generally have private passenger fleets used by sales representatives. Drivers should have an appropriate license and an acceptable MVR.

All vehicles must be well maintained with documentation kept in a central location. If fuel is hauled, drivers should be trained in spill containment, have an appropriate license with a Hazardous Materials endorsement, and an acceptable MVR.

What Does Camping Equipment Manufacturers Insurance Cover & Pay For?

Camping Equipment Manufacturers Insurance Claim Form

Camping equipment manufacturers, like any other business, can be sued for a variety of reasons. Here are some common reasons and how insurance can help:

Product Liability: This is probably the most common cause of lawsuits against manufacturers, including camping equipment manufacturers. If a product fails and causes injury or damage, the manufacturer can be held liable. For example, if a camping stove explodes and injures a user, the manufacturer could be sued.
Insurance Solution: Product Liability Insurance. This policy helps cover the costs of legal defense and any judgments or settlements up to the policy limit. This might include medical costs, compensatory damages, economic damages, attorney fees, and court costs.

Breach of Warranty: This happens when a manufacturer doesn't fulfill the terms of a promise, usually related to the quality or lifespan of a product. For instance, if a tent is sold with a warranty that it will remain waterproof for ten years but starts leaking after only one year, the manufacturer could be sued.
Insurance Solution: General Liability Insurance often includes coverage for breach of warranty claims. It can help pay for legal defense costs, judgments, or settlements.

False Advertising: If a camping equipment manufacturer makes misleading claims about its products, it can be sued. For example, if a sleeping bag is advertised as being able to keep a person warm in temperatures down to -30 degrees, but fails to do so, resulting in hypothermia, the manufacturer could be sued.
Insurance Solution: Advertising Injury Coverage, usually a part of Commercial General Liability Insurance, provides protection against claims of false advertising or misrepresentation. It can cover legal defense costs and any settlements or judgments.

Intellectual Property Infringement: If a camping equipment manufacturer is accused of infringing on another company's patent, copyright, or trademark, they could be sued. For example, if a manufacturer's new camping stove design is too similar to a patented design from another company, they could face a lawsuit.
Insurance Solution: Intellectual Property Insurance can help cover legal fees, settlements, and any awarded damages associated with these types of lawsuits.

Employment Practices Liability: If an employee or former employee sues the company for wrongful termination, discrimination, harassment, or other employment-related issues, the manufacturer could be held liable.
Insurance Solution: Employment Practices Liability Insurance (EPLI) can help cover legal defense costs, settlements, and judgments related to employment practices lawsuits.

In all these instances, insurance can provide crucial financial protection. However, it's important to note that insurance policies come with limits, and they won't cover any costs above those limits. They also typically don't cover punitive damages, which are meant to punish the company rather than compensate the plaintiff.

Commercial Insurance And Business Industry Classification

Description for 2394: Canvas And Related Products

Division D: Manufacturing | Major Group 23: Apparel And Other Finished Products Made From Fabrics And Similar Materials | Industry Group 239: Miscellaneous Fabricated Textile Products

2394 Canvas And Related Products: Establishments primarily engaged in manufacturing awnings, tents, and related products from purchased fabrics. Establishments primarily engaged in manufacturing canvas bags are classified in Industry 2393.

  • Air cushions, canvas
  • Awnings, fabric
  • Canopies, fabric
  • Canvas products, except bags and knapsacks
  • Cloths, drop: fabric
  • Covers, fabric
  • Curtains: dock and welding
  • Liners and covers, fabric: pond, pit, and landfill
  • Pneumatic mattresses
  • Sails
  • Shades, canvas
  • Swimming pool covers and blankets, fabric
  • Tarpaulins, fabric
  • Tents

Description for 2393: Textile Bags

Division D: Manufacturing | Major Group 23: Apparel And Other Finished Products Made From Fabrics And Similar Materials | Industry Group 239: Miscellaneous Fabricated Textile Products

2393 Textile Bags: Establishments primarily engaged in manufacturing shipping and other industrial bags from purchased fabrics. Establishments primarily engaged in manufacturing plastics bags are classified in Industry 2673; those manufacturing laundry, wardrobe, shoe, and other textile house furnishing bags are classified in Industry 2392; and those manufacturing luggage are classified in Industry 3161.

  • Bags and containers, textile: except sleeping bags insulated or
  • Bags, textile: including canvas except laundry, garment, and
  • Duffel bags, canvas
  • Flour bags, fabric
  • Knapsacks, canvas
  • Tea bags, fabric

Description for 2298: Cordage And Twine

Division D: Manufacturing | Major Group 22: Textile Mill Products | Industry Group 229: Miscellaneous Textile Goods

2298 Cordage And Twine: Establishments primarily engaged in manufacturing rope, cable, cordage, twine, and related products from abaca (Manila), sisal, henequen, hemp, cotton, paper, jute, flax, manmade fibers including glass, and other fibers.

  • Binder and baler twine
  • Blasting mats, rope
  • Cable, fiber
  • Camouflage nets, not made in weaving mills
  • Cargo nets (cordage)
  • Cord, braided
  • Cordage: abaca (Manila), sisal, henequen, hemp, jute, and other
  • Fish nets and seines, made in cordage or twine mills
  • Fishing lines, nets, seines: made in cordage or twine mills
  • Hard fiber cordage and twine
  • Insulator pads, cordage
  • Nets, rope
  • Rope, except asbestos and wire
  • Slings, rope
  • Soft fiber cordage and twine
  • Trawl twine
  • Twine
  • Wire rope centers

Description for 2399 Fabricated Textile Products, Not Elsewhere Classified

Division D: Manufacturing | Major Group 23: Apparel And Other Finished Products Made From Fabrics And Similar Materials | Industry Group 239: Miscellaneous Fabricated Textile Products

2399 Fabricated Textile Products, Not Elsewhere Classified: Establishments primarily engaged in manufacturing fabricated textile products, not elsewhere classified.

  • Aprons, breast (harness)
  • Badges, made from fabric
  • Bags, sleeping
  • Bandoleers
  • Banners, made from fabric
  • Belting, fabric
  • Belts, money: made of any material
  • Blankets, horse
  • Cheese bandages
  • Covers, automobile tire and seat
  • Diapers, except disposable
  • Emblems, made from fabrics
  • Fishing nets
  • Flags, fabric
  • Glove mending on factory basis
  • Hammocks, fabric
  • Insignia, military: textile
  • Nets, launderers 'and dyers'
  • Parachutes
  • Pennants
  • Powder puffs and mitts
  • Saddle cloths
  • Safety strap assemblies, automobile: except leather
  • Seat belts, automobile and aircraft: except leather
  • Strap assemblies, tie down: aircraft - except leather
  • Welts

Description for 3423: Hand And Edge Tools, Except Machine Tools and Handsaws

Division D: Manufacturing | Major Group 34: Fabricated Metal Products, Except Machinery And Transportation Equipment | Industry Group 342: Cutlery, Handtools, And General Hardware

3423 Hand And Edge Tools, Except Machine Tools and Handsaws: Establishments primarily engaged in manufacturing files and other hand and edge tools for metalworking, woodworking, and general maintenance. Establishments primarily engaged in manufacturing handsaws and saw blades are classified in Industry 3425; and those manufacturing metal cutting dies, power driven handtools, and attachments and accessories for machine tools are classified in Major Group 35.

  • Adzes
  • Awls
  • Axes
  • Bits (edge tools for woodworking)
  • Blow torches
  • Can openers, except electric
  • Cane knives
  • Cant hooks (handtools)
  • Carpenters' handtools, except saws
  • Caulking guns
  • Caulking tools, hand
  • Chisels
  • Clamps, hand
  • Corn knives
  • Counterbores and countersinking bib, woodworking
  • Countersinks
  • Cutters, glass
  • Cutting dies: except metal cutting
  • Drawknives
  • Drill bits, woodworking
  • Drill, hand: except power
  • Edge tools for woodworking: augers, bits, gimlets, countersinks, etc.
  • Engravers' tools, hand
  • Fence stretchers (handtools)
  • Files, including recutting and resharpening
  • Forks: garden, hay and manure, stone and ballast
  • Garden handtools
  • Gouges, woodworking
  • Guns, caulking
  • Hammers (handtools)
  • Hatchets
  • Hay knives
  • Hoes, garden and masons'
  • Hooks: bush, grass, baling, and husking
  • Iron workers' handtools
  • Jacks: lifting, screw, and ratchet (handtools)
  • Jewelers' handtools
  • Knives, agricultural and industrial
  • Leaf skimmers and swimming pool rakes
  • Levels, carpenters'
  • Machetes
  • Machine knives, except metal cutting
  • Mallets, printers'
  • Masons' handtools
  • Mattocks (handtools)
  • Mauls, metal (handtools)
  • Mechanics' handtools
  • Mitre boxes, metal
  • Peavies (handtools)
  • Picks (handtools)
  • Planes, woodworking: hand
  • Pliers (handtools)
  • Plumbers' handtools
  • Post hole diggers, hand
  • Pruning tools
  • Prying bars (handtools)
  • Pullers: wheel, gear, and bearing (handtools)
  • Punches (handtools)
  • Putty knives
  • Rakes, handtools
  • Rasps, including recutting and resharpening
  • Rules and rulers: metal, except slide
  • Scoops, hand: metal
  • Scrapers, woodworking: hand
  • Screw drivers
  • Scythes
  • Shovels, hand
  • Sickles, hand
  • Sledges (handtools)
  • Soldering guns and tools, hand: electric
  • Soldering iron tips and tiplets
  • Soldering irons and coppers
  • Spades, hand
  • Squares, carpenter
  • Stone forks (handtools)
  • Stonecutters' handtools
  • Strapping tools, steel
  • Test plugs: plumbers' handtools
  • Tinners' handtools, except snips
  • Tongs, oyster
  • Tools and equipment for use with sporting arms
  • Tools, hand: except power driven tools and saws Trowels
  • Vises, carpenters'
  • Vises, except machine
  • Wrenches (handtools)
  • Yardsticks, metal

Description for 3631: Household Cooking Equipment

Division D: Manufacturing | Major Group 36: Electronic And Other Electrical Equipment And Components, Except Computer Equipment | Industry Group 363: Household Appliances

3631 Household Cooking Equipment: Establishments primarily engaged in manufacturing household electric and nonelectric cooking equipment, such as stoves, ranges, and ovens, except portable electric appliances. This industry includes establishments primarily engaged in manufacturing microwave and convection ovens, including portable. Establishments primarily engaged in manufacturing other electric household cooking appliances, such as portable ovens, hot plates, grills, percolators, and toasters, are classified in Industry 3634. Establishments primarily engaged in manufacturing commercial cooking equipment are classified in Industry 3589.

  • Barbecues, grills, and braziers for outdoor cooking
  • Convection ovens, household: including portable
  • Microwave ovens, household: including portable
  • Ovens, household: excluding portable appliances other than microwave
  • Ranges, household cooking: electric and gas
  • Stoves, disk

Camping Equipment Manufacturers Insurance - The Bottom Line

Camping equipment manufacturers insurance can be very different in pricing and coverage. To find out if your business has the best fit insurance policies - speak with an experienced commercial insurance agent.

Often they are able to save you on premiums and offer you better policy options than you currently have.

Additional Resources For Manufacturing Insurance

Learn all about manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.

Manufacturing Insurance

The manufacturing industry is a vital part of the economy and plays a significant role in the production of goods and services. However, it is also an industry that is prone to risks and accidents, which can result in costly damages and lawsuits. Therefore, it is essential for businesses in the manufacturing industry to have insurance to protect them against potential losses.

Business insurance can cover a wide range of risks, including property damage, liability, and worker injuries. For instance, if a fire were to break out in a manufacturing facility and destroy equipment or inventory, commercial insurance could cover the costs of replacing or repairing the damages. Similarly, if a worker were to be injured on the job, business insurance could cover medical expenses and lost wages.

In addition to protecting against physical damages, insurance can also provide financial protection against legal liabilities. If a customer were to sue a manufacturing business for a faulty product, the commercial insurance could cover the costs of legal fees and settlements.

Overall, insurance is essential for the manufacturing industry as it helps to mitigate risks and protect against unexpected costs. Without it, businesses in the industry could face financial ruin in the event of an accident or lawsuit.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income with Extra Expense, Equipment Breakdown, Employee Dishonesty, Accounts Receivable, 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.

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