Down And Feather Products Manufacturers Insurance

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Down And Feather Products Manufacturers Insurance Policy Information

Down And Feather Products Manufacturers Insurance

Down And Feather Products Manufacturers Insurance. Companies that manufacture down and feather products need insurance because any number of serious risks threaten their financial future - and that includes perils common to any commercial venture as well as risks specific to your own industry.

Acts of nature, which would include earthquakes, wildfires, and floods, could damage your manufacturing facility and the equipment inside, as well as interrupting your supply line. Theft and vandalism are realistic hazards in any field, but animal rights activists may pose an especially high risk to companies that make down and feather products.

Down and feather products are flammable, alongside the sanitizers used to render them safe for human use, and this is another risk manufacturers within this industry should never lose sight of. As in any industry, companies that make down and feather products should be prepared for the possibility that an employee becomes injured in the workplace, in which case the company is often liable.

Should you important down and feathers internationally, transportation challenges that lead to lost revenue pose another risk.

Manufacturers in this industry never know what unforeseen circumstances they will be confronted with, but they can protect themselves against these hazards by investing in the right down and feather products manufacturers insurance.

Down and feather products 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 down and feather products manufacturing insurance questions:


How Much Does Down And Feather Products Manufacturers Insurance Cost?

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


Why Do Down And Feather Products Manufacturers Need Insurance?

Insurance For Manufacturers

Companies that manufacture down and feather products need insurance because any number of serious risks threaten their financial future - and that includes perils common to any commercial venture as well as risks specific to your own industry.

Acts of nature, which would include earthquakes, wildfires, and floods, could damage your manufacturing facility and the equipment inside, as well as interrupting your supply line. Theft and vandalism are realistic hazards in any field, but animal rights activists may pose an especially high risk to companies that make down and feather products.

Down and feather products are flammable, alongside the sanitizers used to render them safe for human use, and this is another risk manufacturers within this industry should never lose sight of.

As in any industry, companies that make down and feather products should be prepared for the possibility that an employee becomes injured in the workplace, in which case the company is often liable. Should you important down and feathers internationally, transportation challenges that lead to lost revenue pose another risk.

Manufacturers in this industry never know what unforeseen circumstances they will be confronted with, but they can protect themselves against these hazards by investing in the right down and feather products manufacturers insurance.


What Type Of Insurance Do Down And Feather Products Manufacturers Need?

The precise details of a company's insurance needs are as unique the business itself - they depend, among other factors, on the size of the business, the location of the manufacturing facility, the company's storage solutions, and the source of the raw materials, in this case down and feathers.

The number of workers a company employs influences the kind of insurance a company may need to carry as well. A seasoned agent specializing in commercial insurance is an invaluable partner in helping you meet your insurance needs.

Some of the types of down and feather products manufacturers insurance that companies within this industry cannot do without, however, include:

  • Commercial Property: This type of down and feather products manufacturers protects your building, manufacturing equipment, and inventory from circumstances beyond your control. Theft, fire, and vandalism are examples of the events covered by commercial property insurance. It is important to know that it can also help cover financial losses resulting from interruptions in production after disaster strikes.
  • General Liability: Third party bodily injury or property damage claims can result after someone who does not work for you becomes injured within your manufacturing facility, or your company's activities cause inadvertent damage to third party property. Commercial general liability insurance covers legal and other expenses relating to such claims.
  • Workers' Compensation: Another obligatory form of insurance for all companies but the very smallest, workers comp insurance takes care of your employees' medical bills and lost wages in the event that they become injured while at work.


These types of down and feather products manufacturers insurance are examples of the coverage a down and feather products manufacturer will need to protect their business. You may also require other types.

Product liability insurance can cover you if a product ever needs to be recalled, for instance, while vehicle insurance is another must for any business that uses cars, trucks, or other vehicles. To find out more about your needs, talk to a competent business insurance broker.

Down And Feather Products Manufacturing's Risks & Exposures

Manufacturing

Premises liability exposure is normally low due to limited access by visitors. If the manufacturer has a showroom or offers tours, visitors may be injured by slips, trips, or falls. Chemicals used in processing down and feathers may be corrosive and/or toxic. Fumes, spills or leaks may cause serious injury or property damage to neighboring premises.

Products liability exposure is light unless infants' or children's garments, sleepwear, or bedding are manufactured. Flammability tests and other governmental guidelines must be met. Guarantees or warranties on survival wear should be reviewed along with documentation of testing.

Environmental impairment exposure is light unless the manufacturer performs any dyeing or chemical treating. 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 moderate to high. Injuries from production machinery are common, as are burns, cuts, slips, trips, falls, foreign objects in the eye, hearing loss from machinery noise, and back injuries from lifting. Employees should be provided with safety training and protective equipment.

Areas that generate dust require respiratory protection devices, as well as eye protection and eye wash stations. Working with down or feathers can result in allergic reactions. Flammable liquids and chemicals can cause skin irritation, eye irritation and possible long-term occupational disease.

The high volume required for production schedules may lead workers to remove guards on the machinery, or to postpone maintenance and repair. Repetitive motion injuries can result from the ongoing use of machinery. Workstations should be ergonomically designed.

Safety consciousness and commitment of management, especially in the form of ongoing enforcement and awareness programs, are important considerations. A large amount of the piece work may be done by individuals whose status (employee or independent contractor) must be clear.

Property exposure consists of offices, production plant, and warehouse for raw materials and finished goods. Ignition sources include electrical wiring, heating systems, and production machinery. Chemicals used in cleaning, dyeing, or finishing are often flammable and should be properly labeled, separated, and stored in approved containers.

Working with down and feathers generates dust which can catch on fire or explode. This hazard increases in the absence of well maintained dust collection systems. Scraps of material and foam fillers contribute to the fire load.

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.

Feathers and down do not burn like fabric, but when exposed to flame or heat, they will produce heavy, putrid odors which may inhibit firefighting activities. Some fabrics may be subject to damage by water or trapped moisture.

As down products may be expensive, 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. These should be properly maintained.

Crime exposure comes from employee dishonesty and theft due to the relatively high street value of down items. 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.

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. Backup copies of all records should be made and stored off premises.

Goods in transit may be damaged by fire, collision, overturn, theft, and water damage. Because of the high market value of down and feather garments, vehicles should be locked, fitted with alarms, and not left unattended once loaded or during transport.

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. There should be written procedures regarding the private use of these vehicles by others.

Drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained with documentation kept in a central location.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 2369 Girls', Children's, And Infants' Outerwear, Not Elsewhere Classified, 2329 Men's And Boys' Clothing, Not Elsewhere Classified, 2392 House Furnishing, Except Curtains And Draperies
  • NAICS CODE: 315210 Cut and Sew Apparel Contractors, 314120 Curtain and Linen Mills, 315220 Men's and Boys' Cut and Sew Other Apparel Manufacturing, 315240 Women's, Girls', and Infants' Cut and Sew Other Apparel Manufacturing, 315280 Other Cut and Sew Apparel Manufacturing, 315212 Women's, Girls', and Infants' Cut and Sew Apparel Contractors, 315211 Men's and Boys' Cut and Sew Apparel Contractors
  • Suggested ISO General Liability Code(s): 59725
  • Suggested Workers Compensation Code(s): 2501

Description for 2369: Girls', Children's, And Infants' Outerwear, Not Elsewhere Classified

Division D: Manufacturing | Major Group 23: Apparel And Other Finished Products Made From Fabrics And Similar Materials | Industry Group 236: Girls', Children's, And Infants' Outerwear

2369 Girls', Children's, And Infants' Outerwear, Not Elsewhere Classified: Establishments primarily engaged in manufacturing girls', children's, and infants' outerwear, not elsewhere classified, from purchased woven or knit fabrics. Knitting mills primarily engaged in manufacturing outerwear are classified in Industry 2253.

  • Bathing suits: girls', children's, and infants'
  • Bathrobes: girls', children's, and infants'
  • Beachwear: girls', children's, and infants'
  • Buntings: infants'
  • Coat and legging sets: girls' and children's
  • Coats: girls', children's, and infants'
  • Culottes: girls' and children's
  • Headwear: girls', children's, and infants'
  • Housecoats: girls', children's, and infants'
  • Jackets: girls', children's, and infants'
  • Jeans: girls', children's, and infants'
  • Jogging suits: girls', children's, and infants'
  • Leggings: girls', children's, and infants'
  • Leotards: girls', children's, and infants'
  • Lounging robes: girls', children's, and infants'
  • Pantsuits: girls', children's, and infants'
  • Playsuits: girls', children's, and infants'
  • Robes, lounging: girls', children's, and infants'
  • Rompers: infants'
  • Shorts, outerwear: girls' and children's
  • Ski suits: girls' and children's
  • Skirts: girls', children's, and infants'
  • Slacks: girls' and children's
  • Snowsuits: girls' and children's
  • Suits and rompers: children's and infants'
  • Suits: girls' and children's
  • Sunsuits: girls', children's, and infants'
  • Sweat suits: girls', children's, and infants'
  • Warmup suits: girls', children's, and infants'

Description for 2329: Men's And Boys' Clothing, Not Elsewhere Classified

Division D: Manufacturing | Major Group 23: Apparel And Other Finished Products Made From Fabrics And Similar Materials | Industry Group 232: Men's And Boys' Furnishings, Work Clothing, And Allied Garments

2329 Men's And Boys' Clothing, Not Elsewhere Classified: Establishments primarily engaged in manufacturing men's and boys' clothing, not elsewhere classified, from purchased woven or knit fabrics. Establishments primarily engaged in manufacturing leather and sheep-lined garments are classified in Industry 2386. Knitting mills primarily engaged in manufacturing outerwear are classified in Industry 2253.

  • Athletic clothing men's and boys'
  • Bathing suits: men's and boys'
  • Coats, except tailored or work: men's and boys'
  • Coats, oiled fabric and blanket-lined: men's and boys'
  • Down-filled clothing: men's and boys'
  • Feather-filled clothing: men's and boys'
  • Field jackets, military
  • Gymnasium clothing men's and boys'
  • Hunting coats and vests men's
  • Jackets, non-tailored except work men's and boys'
  • Jackets, sport, non-tailored men's and boys'
  • Knickers, dress (separate): men's and boys'
  • Lumber jackets men's and boys'
  • Mackinaws: men's and boys'
  • Melton jackets men's and boys'
  • Pants, athletic and gymnasium men's and boys'
  • Pants, men's and boys': sweats athletic, gymnasium, ski, and
  • Riding clothes men's and boys'
  • Shirt and slack suits, non-tailored men's and boys'
  • Shorts, outerwear men's and boys'
  • Ski suits: men's and boys'
  • Sports clothing, non-tailored men's and boys'
  • Suits, men's and boys': warm-up, jogging, snow, and ski
  • Sweater jackets men's and boys'
  • Sweater vests: men's and boys'
  • Sweaters men's and boys'
  • Swimsuits men's and boys'
  • Swimwear, men's and boys'
  • Uniforms, athletic and gymnasium: men's and boys'
  • Vests, non-tailored including sweater-men's and boys'
  • Windbreakers men's and boys'

Description for 2392: House Furnishing, Except Curtains And Draperies

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

2392 House Furnishing, Except Curtains And Draperies: Establishments primarily engaged in manufacturing house furnishings, such as blankets, bedspreads, sheets, table cloths, towels, and shower curtains from purchased materials. Establishments primarily engaged in manufacturing curtains and draperies are classified in Industry 2391. Establishments producing house furnishings primarily of fabric woven at the same establishment are classified in Industries 2211, 2221, 2231, or 2299 according to fiber.

  • Bags, garment storage: except paper or plastics film Bags, laundry
  • Bath mitts (washcloths)
  • Bedspreads and bed sets
  • Blanket bags, plastic
  • Blankets
  • Boat cushions
  • Bridge sets (cloths and napkins)
  • Chair covers, cloth
  • Chair pads, except felt
  • Comforters or comfortables
  • Curtains, shower
  • Cushions, except spring and carpet cushions
  • Dishcloths, non-woven textile
  • Dust cloths
  • Dusters, fabric
  • Dusting cloths, plain
  • Hassocks, textile
  • House furnishings, except curtains and draperies
  • Ironing board pads
  • Linings, carpet: textile, except felt
  • Lunch cloths
  • Mattress pads
  • Mattress protectors, except rubber
  • Mops, floor and dust
  • Napkins, fabric and non-woven textiles
  • Pads and padding, table: except asbestos, felt, rattan, reed, and
  • Pillow cases
  • Pillows, bed
  • Placemats, plastics and textiles
  • Polishing cloths, plain
  • Quilts
  • Scarves: e.g., table, dresser
  • Sheets, fabric
  • Sheets, hospital: non-woven textile
  • Shoe bags
  • Slipcovers: made of fabrics, plastics and other material except paper
  • Table mats, plastics and textiles
  • Table cloths, plastics
  • Table cloths
  • Towels, fabric and non-woven textiles
  • Wardrobe bags
  • Washcloths

Down And Feather Products Manufacturers Insurance - The Bottom Line

Not all down and feather products manufacturers insurance policies are the same. You can learn if your business has the best fit insurance policies by talking to an experienced commercial insurance broker.

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

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

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

For manufacturers, 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.

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, 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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