Enameling Insurance Policy Information
Enameling Insurance. Enameling is an ages-old art that involves fusing powdered glass to metal at very high temperatures to create various decorative items, such as vases and jewelry. The process is complex and requires a great deal of patience and expertise.
Enameling is the coating of metal products with vitrified or porcelain enamel. The enamel protects the metal against rust or corrosion, scratches or abrasions and produces an attractive or more desirable finish. The metals to be treated are first degreased or otherwise cleaned.
The enamel coating can be applied by spraying, dipping, or electrical charge. The coated metal is then heated in an oven or furnace to harden and dry. Additional coatings are applied as needed.
If you are an enameller, there's no doubt that you have put a lot of hard work into your business. Setting up a studio, honing your craft, marketing, and making sure that you provide high-quality products that meet the needs of your clients, and so much more; you've put a lot into your business.
In order to protect yourself, your clients, and all other aspects of your venture, you need to take all of the necessary precautions. Of all of the investments that you can make in your business, there's one that tops the list: enameling insurance.
Why is insurance so important for your enamellers? What type of coverage do you need? Read on to find the answers to these questions and to discover how to set yourself up for success.
Enameling insurance protects enamellers from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked tobacco farming insurance questions:
- What Is Enameling Insurance?
- How Much Does Enameling Insurance Cost?
- Why Do Enameling Businesses Need Insurance
- What Type Of Insurance Do Enamellers Need?
- What Does Enameling Insurance Cover & Pay For?
What Is Enameling Insurance?
Enameling insurance is a type of insurance coverage specifically designed to protect enamellers and enameling businesses. This type of insurance provides coverage for financial losses resulting from a variety of risks, such as damage to the enameller's equipment, theft of enameling materials, and liability for any harm or injury that may occur as a result of the enameling process.
The specific terms and coverage amounts of enameling insurance policies can vary greatly, so it is important for enamellers to carefully review the details of their policy and choose the right coverage for their specific needs.
How Much Does Enameling Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small enamellers ranges from $37 to $59 per month based on location, revenue, claims history and more.
Why Do Enameling Businesses Need Insurance?
Just like any other business owner, enameling professionals face several different types of risks; some of those risks are similar to the risks that businesses in any industry face, and some are unique to your specific profession.
For instance, your workshop could be damaged by an act of nature, a client could file a lawsuit against you, an employee could sustain an injury, or your operation could be shut down for a prolonged period of time. In the event that anything does go wrong, as the owner and operator of your enameling business, you are liable for the related expenses.
As you can imagine, the costs that are linked to accidents, errors, and any other unforeseen circumstances can be exorbitant. That's why it's so important to have enameling insurance coverage; in the event that something does go wrong, instead of having to pay for the expenses out of your own pocket, your insurer will cover them for you. In other words, insurance coverage protects you from potential financial ruin.
In addition to the monetary protections that enameling insurance provides, having coverage ensures that you are business is compliant with the laws. In most areas, business owners of most types are required to carry certain types of coverage - including enameling professionals.
What Type Of Insurance Do Enamellers Need?
There are many different types of insurance coverage that enamellers will need; however, it should be noted that the specific policies do vary and depend on several factors that relate to the unique needs of your venture.
The physical location of your business, the size of your operation, and the specific services you provide are just a few examples of the factors that will determine what type of enameling insurance you'll need. For that reason, it's important to consult with a reputable agent who specializes in commercial insurance.
With that said, here's a look at some basic types of coverage that you should in carry.
- Commercial Property: In the event that your enameling business is impacted by an act of nature, theft, or vandalism, you'll need to have commercial property insurance. This type of coverage is designed to protect the physical structure of your business, as well as the contents within it. For instance, if a fire breaks out in your studio, this policy will cover the cost of any damages and will help to replace anything that can't be repaired.
- Commercial General Liability: This type of coverage covers the cost of third-party property damage and personal injury liability claims. For instance, if a vendor were to slip and fall while dropping off a delivery on your commercial property and they filed a lawsuit against you, this type of coverage would cover the related expenses.
- Workers Compensation: This coverage will help to pay for the medical care that an employee may require if they were to suffer a work-related injury. It would also compensate them for lost wages if they were unable to work as a result of their injury.
These policies are just a few examples of the kinds of enameling insurance you'll need to carry as an enameller.
Enamellers' Risks & Exposures
Premises liability exposure may be limited if there is no outside yard for storage of raw materials or finished items. Larger items stored in the yard could present attractive nuisance hazards.
Fencing must be in place with appropriate warning signs to prevent trespassing, with security guards provided as necessary. Kilns may catch fire and spread fumes and debris to neighboring buildings.
Products liability exposure can be significant depending on the final use of the product being enameled. Since enameling provides protection from rust and corrosion, product failure due to rust could have serious consequences.
Quality control procedures should be documented. If products are enameled only for the sake of appearance, the product liability is very limited.
Environmental impairment exposure is high because of the fuel used to heat the kilns and the use of solvents and toxic chemicals to clean metal. Storage and waste disposal must comply with all Environmental Protection Agency (EPA) requirements.
Silica is used and may cause air pollution if released. Chemical leaks and wastewater may contaminate air, ground water or land. Any underground storage will require the purchase of a UST policy.
Workers compensation exposure is high. Employees are routinely exposed to chemicals during processing and to machinery hazards which can cause respiratory problems and irritate skin, lungs, and eyes. Silica may be used, which can result in occupational disease.
Back injuries from lifting and slips and falls are common. The heat generated is very high and can cause exhaustion and burns. Personal protective equipment is required.
Property exposure includes an office, processing area, and storage of raw materials and finished goods. Ignition sources include furnaces kept at temperatures well over 1,000 degrees. Flammables include fuel for the furnaces, degreasers, solvents, pigments, or additives to the coatings. Each of these has different degrees of flammability and should be well separated from the furnace area.
The raw materials do not add to the fire load, because neither the metal nor the enamel is flammable. The final products are not highly susceptibly to damage due to the coating. Machinery should be well maintained to prevent problems due to overheating or power surges.
Lost business income in the event of a direct damage loss could be lengthy as replacement facilities may not be readily available.
Crime exposure is from employee dishonesty. Background checks should be conducted prior to hiring any employee. Ordering and inventory control should be under separate supervisors to discourage theft.
All ordering, billing and disbursements must be handled as separate job duties and regularly audited. Physical inventories should be conducted on a regular basis to prevent employee theft of equipment and stock.
Inland marine exposure comes from accounts receivable, bailees' for customers' items being processed, computers, and valuable papers and records. Normally the enameller is handling property of others which must be recorded, tracked and returned in at least as good a condition as they came.
There may be a transportation exposure, with the enameller responsible for any damage that may occur to customers' goods being transported.
Business auto exposure is moderate to high if the processor performs pickup or delivery of products. Since enameling consists of so many different products of varying sizes and shapes, the evaluation of the exposure must be dependent on the final product handled
Larger items may be awkward and difficult to load and tie-down. Very heavy items may shift during transport, resulting in overturn or collision. Proper tie down procedure are critical.
Drivers should have commercial driver's licenses (CDL's) and their MVRs should be checked regularly. Vehicles and any tie-down equipment must be well maintained and documented.
What Does Enameling Insurance Cover & Pay For?
Enamelers may be sued for various reasons, including:
Faulty workmanship: If an enameler performs poor-quality work or fails to complete a job according to the client's specifications, they may be sued for breach of contract or negligence. If an enameler is sued for faulty workmanship, their general liability insurance may cover the cost of legal fees and any damages awarded to the plaintiff.
Damage to property: If an enameler accidentally damages a client's property, such as a countertop or appliance, they may be held liable for the cost of repairs or replacement. If an enameler accidentally damages a client's property, their commercial property insurance may cover the cost of repairs or replacement.
Personal injury: If a client or a member of the public is injured as a result of the enameler's work, the enameler may be held liable for medical expenses, lost wages, and other damages. If an enameler is sued for personal injury, their general liability insurance may cover the cost of legal fees and any damages awarded to the plaintiff.
Misrepresentation: If an enameler makes false claims about their skills or qualifications, they may be sued for misrepresentation. If an enameler is sued for misrepresentation, their errors and omissions insurance may cover the cost of legal fees and any damages awarded to the plaintiff.
Overall, having the right insurance coverage can provide peace of mind to enamelers and protect them from financial losses in the event of a lawsuit.
Commercial Insurance And Business Industry Classification
- SIC CODE: 3479 Coating, Engraving, and Allied Services, Not Elsewhere Classified
- NAICS CODE: 332812 Metal Coating, Engraving (except Jewelry and Silverware), and Allied Services to Manufacturers, 332813 Electroplating, Plating, Polishing, Anodizing and Coloring
- Suggested Workers Compensation Code(s): 3224 Enamel or Agate Ware Manufacturing
Description for 3479: Coating, Engraving, and Allied Services, Not Elsewhere Classified
Division D: Manufacturing | Major Group 34: Fabricated Metal Products, Except Machinery And Transportation Equipment | Industry Group 347: Coating, Engraving, And Allied Services
3479 Coating, Engraving, and Allied Services, Not Elsewhere Classified: Establishments primarily engaged in performing the following types of services on metals, for the trade: (1) enameling, lacquering, and varnishing metal products; (2) hot dip galvanizing of mill sheets, plates and bars, castings, and formed products fabricated of iron and steel; hot dip coating such items with aluminum, lead, or zinc; retinning cans and utensils; (3) engraving, chasing and etching jewelry, silverware, notarial and other seals, and other metal products for purposes other than printing; and (4) other metal services, not elsewhere classified. Also included in this industry are establishments which perform these types of activities on their own account on purchased metals or formed products. Establishments that both manufacture and finish products are classified according to the products.
- Bonderizing of metal and metal products, for the trade
- Chasing on metals for the trade, for purposes other than printing
- Coating (hot dipping) of metals and formed products, for the trade
- Coating and wrapping steel pipe
- Coating of metals with plastics and resins, for the trade
- Coating of metals with silicon, for the trade
- Coating, rust preventive
- Dipping metal in plastics solution aa a preservative, for the trade
- Enameling (including porcelain) of metal products, for the trade
- Engraving jewelry, silverware, and metal for the trade: except
- Etching on metals for purposes other than printing
- Etching: photochemical, for the trade
- Galvanizing of iron and steel and end formed products, for the trade
- Japanning of metal
- Jewelry enameling, for the trade
- Lacquering of metal products, for the trade
- Name plates: engraved and etched
- Painting (enameling and varnishing) of metal products, for the trade
- Pan glazing, for the trade
- Parkerizing, for the trade
- Phosphate coating of metal and metal products, for the trade
- Retinning of cans and utensils, not done in rolling mills
- Rust proofing (hot dipping) of metals and formed products, for the
- Sherardizing of metals and metal products, for the trade
- Varnishing of metals products, for the trade
Enameling Insurance - The Bottom Line
As mentioned, in order to determine exactly what kind of enameling insurance coverage you'll need to fully protect your dealership, speak with a reputable broker who specializes in commercial insurance.
Additional Resources For Miscellaneous Insurance
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Businesses need insurance for several reasons. Firstly, insurance protects businesses from potential financial losses that may result from unexpected events, such as accidents, natural disasters, or lawsuits. This financial protection can help businesses recover from unexpected events and continue to operate.
Secondly, business insurance can provide businesses with liability protection. This means that if a business is sued for damages or injuries that occurred on their property or as a result of their products or services, the insurance company will cover the legal costs and damages. Without insurance, businesses may have to pay these costs out of pocket, which can be financially devastating.
Thirdly, commercial insurance can also provide businesses with peace of mind. When businesses have insurance, they can focus on running and growing their business without constantly worrying about potential financial losses or legal issues.
Finally, business insurance can also be a requirement for certain businesses. For example, many businesses that work with the government or large corporations may be required to have certain types of insurance in order to do business with them.
In conclusion, businesses need insurance for financial protection, liability protection, peace of mind, and to meet certain requirements. It is an important aspect of running a successful business and can help ensure the long-term stability and growth of the company.