Fruit Juice Manufacturers Insurance

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Fruit Juice Manufacturers Insurance Policy Information

Fruit Juice Manufacturers Insurance

Fruit Juice Manufacturers Insurance. Fruit juice, derived from a single fruit or a combination of several, is for countless people not only a healthy choice, but an enjoyable break-time companion.

Fruit juice processors receive produce from farmers or agricultural product brokers. The fruit is graded, cleaned, peeled, cut, pressed and blended. Water may be added to make juices and drinks or removed to make concentrates. Vitamins, nutrients, and other flavorings or colorings may be added.

The final mixture is pasteurized to kill harmful germs, then bottled (using glass, plastic, or treated paper), canned, or frozen, labeled, and stored or distributed to retailers or concessionaires. The processor may hold a franchise to produce and distribute a particular brand of fruit juice, or be a captive owned by the concentrate maker or a parent company.

Operations may include a number of warehouses for storage of finished goods.

The manufacturing process starts with the fruit itself, of course, whether orange, apple, berries, mango, pineapple, or any other, but making fruit juice for the commercial market is nowhere near as simple as squeezing the fruit and bottling the juice.

The fruit has to pass meticulous quality inspection and is pasteurized to render is safe. In many cases, due to geographical distances, the initial fruit juice is first concentrated, by removing a large portion of its water content, and then transported, after which water is added again closer to the target market.

While fruit juice manufacturers go to great lengths to ensure that their entire production process is well-managed, there is no denying that mishaps may strike any part of production. Were anything to go wrong, the associated costs can be devastating.

What types of fruit juice manufacturers insurance are needed to protect their business even in the event of a major peril? For further information, read on.

Fruit juice 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 fruit juice manufacturing insurance questions:


How Much Does Fruit Juice Manufacturers Insurance Cost?

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


Why Do Fruit Juice Manufacturers Need Insurance?

Insurance For Manufacturers

Companies that manufacture fruit juice face a multitude of risks, just like any other commercial venture. While some of those risks are universal, meaning they could affect any business regardless of its field, others are more unique to this specific industry.

Your facility could be damaged in an act of nature, like a wildfire or earthquake, or you may be impacted by crime, whether in the form of theft or vandalism. Equipment essential to your production process could break down, or your raw materials could be spoiled or damaged while in transit.

Each of these perils has the potential to burden you with enormous expenses, as well as leading to costly business interruptions. In addition, an employee or third party could be injured on your premises, or your company may face lawsuits for a wide variety of reasons.

The costs associated with any of these perils will certainly be significant, and might even prove to be so large that they would be bankrupting - unless, that is, your fruit juice company has invested in high-caliber insurance coverage that will cover much of the loss.

This, in short, explains why it is crucial to carefully consider your fruit juice manufacturers insurance options.


What Type Of Insurance Do Fruit Juice Manufacturers Need?

No two companies that manufacture fruit juice have the exact same insurance needs. The types of coverage your particular business should carry are influenced by factors such as the location of your facility, how many employees you have, the type of equipment you use, and how you store your raw materials.

For this reason, consulting a skilled commercial insurance broker is a key part of the process of obtaining the right fruit juice manufacturers insurance coverage. The following are, meanwhile, examples of key types of insurance that are usually needed:

  • Commercial Property: Numerous perils, from acts of nature to theft or vandalism, could inflict damage to your commercial facility and its contents. This kind of insurance safeguards you from financial losses by covering repair costs your building as well as repair or replacement costs for smaller assets such as inventory and machines.
  • Commercial General Liability: Third party bodily injury and property damage claims pose a very realistic threat in this highly-litigious world. This broad form of fruit juice manufacturers insurance covers the legal expenses that may follow if someone were to be hurt on your premises or as a result of your company's activities.
  • Product Liability: If fruit juice you manufactures causes a consumer to become ill due to a manufacturing error, or a batch of fruit juice has to be recalled over safety or other concerns, product liability insurance shoulders many of the expenses.
  • Workers' Compensation: In any industry, including the manufacture of fruit juice, employees may be injured at work. Should that happen, this form of insurance covers their medical bills, whether acute or long-term, as well as taking care of the workers' lost income if they are unable to return to work.

Fruit juice manufacturers are additionally likely to require commercial auto insurance, inland marine insurance, and equipment breakdown insurance, among other forms of coverage. To ensure that all your fruit juice manufacturers insurance bases are covered, talk to a commercial insurance broker.


Fruit Juice Manufacturing's Risks & Exposures

Manufacturing

Premises liability exposure is moderate as farmers generally deliver raw fruit to the processing facility. 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, the processor must meet all life safety codes to assure visitor safety. Good housekeeping and nonslip flooring finishes are critical to minimizing 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, and generally level.

Products exposures are moderate due to the possibility of contamination, spoilage, or foreign objects in containers. Incoming fruit should be inspected before accepted. Pasteurization must be conducted under FDA conditions.

The workplace must meet all FDA specifications for sanitary working conditions and be arranged to prevent foreign substances from entering the processing area. Operations may be plagued by pests and rodents if disposal of food waste is not properly handled.

Controls must be in place to prevent contamination from exposure to chemical 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 that can be activated immediately.

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 may require a UST policy.

Workers compensation exposure can result from burns caused by the machinery and equipment, cuts or accidental dismemberment from rotating blades or moving parts on machinery, back injuries or a hernia from lifting, foreign objects in the eye, and slips and falls from inadequate housekeeping in processing areas.

The automated machinery can cause injury and loss if not properly guarded. Employees may be exposed to chemicals, fungi, or excessive noise. Adequate safety equipment should be required for employees in processing areas. Forklifts should be equipped with backup alarms and refueled in well-ventilated areas.

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.

Employees delivering goods to customers can be injured in vehicle accidents.

Farming exposures may exist if the processor also owns the orchards where the fruit is grown. These risks are normally written using a farmowners policy in a specialty farm market.

Exposures may include the trees or plants, the farm equipment, including cherry pickers, vehicles used to transport the produce to the plant, and workers compensation from planting, tending and harvesting.

Property exposure is high. Ignition sources include electrical wiring, heating and air conditioning systems, refrigeration equipment, and automated processing and conveyance machinery. 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.

With any food product, even a small fire could result in a large loss as a 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. To reduce the potential for total loss, raw fruit and final products should be stored away from the processing area.

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 emergency generators, should provide power if an outage or shutdown occurs. The business income exposure can be very high due to the seasonality of operations and some production equipment being difficult to repair or replace quickly.

Equipment breakdown exposure is high due to the automated machinery and equipment which can malfunction or breakdown. All machinery and equipment must be regularly inspected and maintained as a lengthy breakdown could result in a severe loss, both direct and under time element. If there are boilers, operational safety valves must be in place.

Crime exposure comes from employee dishonesty. Background checks should be conducted on all employees. Ordering and inventory control should be carried out by two individuals so 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 processor bills customers, computers (which may include computer-run production equipment), contractors' equipment for forklifts, goods in transit, and valuable papers and records.

Finished products may be transported on company-owned trucks which may include refrigerated vehicles. Overturn and collision could result in a loss with little salvage due to the potential for contamination.

Valuable papers and records include proprietary formulas, inventory records, customer files, and contracts with suppliers and distributors.

Commercial auto exposure is high if the processor delivers products to customers. All delivery drivers must have an appropriate license and acceptable MVR. Drivers making long-haul deliveries may not exceed DOT standards for the number of hours worked per day and per week. Vehicles must be well maintained, and documentation should be on file.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 2033 Canned Fruits, Vegetables, Preserves, Jams, And Jellies, 2037 Frozen Fruits, Fruit Juices, And Vegetables
  • NAICS CODE: 311421 Fruit and Vegetable Canning, 311411 Frozen Fruit, Juice and Vegetable Manufacturing
  • Suggested ISO General Liability Code(s): 53565
  • Suggested Workers Compensation Code(s): 2143

Description for 2033: Canned Fruits, Vegetables, Preserves, Jams, And Jellies
Division D: Manufacturing | Major Group 20: Food And Kindred Products | Industry Group 203: Canned, Frozen, And Preserved Fruits, Vegetables, and Food Specialties

2033 Canned Fruits, Vegetables, Preserves, Jams, And Jellies: Establishments primarily engaged in canning fruits, vegetables, and fruit and vegetable juices; and in manufacturing catsup and similar tomato sauces, or natural and imitation preserves, jams, and jellies. Establishments primarily engaged in canning seafoods are classified in Industry 2091; and those manufacturing canned specialties, such as baby foods and soups, except seafood, are classified in Industry 2032.

  • Artichokes in olive oil, canned
  • Barbecue sauce
  • Catsup
  • Cherries, maraschino
  • Chili sauce, tomato
  • Fruit butters
  • Fruit pie mixes
  • Fruits, canned
  • Hominy, canned
  • Jams, including imitation
  • Jellies, edible: including imitation
  • Juice, fruit: concentrated-hot pack
  • Juices, fresh: fruit or vegetable
  • Juices, fruit and vegetable: canned or fresh
  • Ketchup
  • Marmalade
  • Mushrooms, canned
  • Nectars, fruit
  • Olives, including stuffed: canned
  • Pastes, fruit and vegetable
  • Preserves, including imitation
  • Purees, fruit and vegetable
  • Sauces, tomato-based
  • Sauerkraut, canned
  • Seasonings (prepared sauces), tomato
  • Spaghetti sauce
  • Tomato juice and cocktails, canned
  • Tomato paste
  • Tomato sauce
  • Vegetable pie mixes
  • Vegetables, canned

Description for 2037: Frozen Fruits, Fruit Juices, And Vegetables
Division D: Manufacturing | Major Group 20: Food And Kindred Products | Industry Group 203: Canned, Frozen, And Preserved Fruits, Vegetables, and Food Specialties

2037 Frozen Fruits, Fruit Juices, And Vegetables: Establishments primarily engaged in freezing fruits, fruit juices, and vegetables. These establishments also produce important by-products such as fresh or dried citrus pulp.

  • Concentrates, frozen fruit juice
  • Dried citrus pulp
  • Frozen fruits, fruit juices, and vegetables
  • Fruit juices, frozen
  • Fruits, quick frozen and coldpack (frozen)
  • Vegetables, quick frozen and coldpack (frozen)

Fruit Juice Manufacturers Insurance - The Bottom Line

Fruit juice manufacturers insurance policies can be very different in terms of costs and coverages. You can learn if your manufacturing 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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