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Garage Door Manufacturers Insurance Policy Information

Garage Door Manufacturers Insurance

Garage Door Manufacturers Insurance. Garage doors are not just essential in the everyday life of any car owner, they also play an important role in the security of a home. Most modern garage doors are manufactured using durable materials that include wood, fiber glass, and of course steel and aluminum.

Some garage doors are opened manually, while many others include an electric motor to automatically open and close the doors.

Garage door manufacturers produce overhead doors made of fiberglass, metal, or wood for residential or commercial use. Processes vary by type of material. Fiberglass is typically molded. Metal panels are made by cutting. Metal component parts are made by extrusion, drawing or stamping.

Wood may be cut, planed, sanded, glued, or nailed with finish applied with paint, stains, or varnish. While some production work will employ CNC workstations (computerized machining), custom work may be done by hand.

Component parts may be manufactured in different locations or different countries. The finished product may be pre-assembled, or assembled during installation.

The manufacture of metal garage doors requires complex and costly machinery such as rollers, presses, and machines that cut metal sheets to their correct size. Adhesives, too, are essential to the manufacturing process, to attach smaller components like hinges and brackets.

As committed as garage door manufacturers are to delivering a product that meets its customers' high standards, these companies also have to contend with the knowledge that they are susceptible to any number of threats.

To secure your company's financial future, investing in the right garage door manufacturers insurance coverage is vital. What kinds of insurance must be on your radar if you own and manage a company that is manufacturing garage doors?

Garage door 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 garage door manufacturing insurance questions:

How Much Does Garage Door Manufacturers Insurance Cost?

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

Why Do Garage Door Manufacturers Need Insurance?

Insurance For Manufacturers

Garage door manufacturers can, like any other manufacturer, encounter a range of unforeseen circumstances that could have a devastating impact on their finances. Some of those threats are common to any commercial venture, but others are unique to your own industry.

Acts of nature - wildfires and earthquakes, floods and hurricanes, among others - might strike your manufacturing facility, simultaneously damaging your building and manufacturing equipment and leading to interruptions in production as well as costly repairs.

Even with top-notch security systems, vandalism and thefts remain possible, and can rob you of inventory as well as manufacturing machinery.

Companies that make garage doors also have to consider the risk that a malfunction or production error causes an end user of their doors to become injured or successfully burglarized; the affected party can then attempt to hold the company liable.

These and numerous other perils can put your company's future in jeopardy very easily - unless, that is, you have the righty garage door manufacturers insurance coverage.

What Type Of Insurance Do Garage Door Manufacturers Need?

The kinds of garage door manufacturers insurance needed will depend on multiple factors. The location of your manufacturing facilities, the machinery you use, and the materials your garage doors are made of will all play a role, alongside the number of workers you employ.

A skilled agent who specializes in commercial insurance will be able to help you evaluate your company's exact needs. Nonetheless, some types of insurance are indispensable. They include:

  • Commercial General Liability: This kind of insurance is designed to keep you safe from financial loss in the event of third party bodily injury or property damage claims. That would include someone becoming hurt on your premises, or an employee causing damage to a home or retail facility while delivering garage doors. Commercial general liability insurance helps cover legal expenses and settlement fees, but also third party medical bills.
  • Product Liability: Another kind of liability insurance, this type specifically covers claims relating to the garage doors you manufacture. You would rely on it if your product causes accidental injury to a consumer, for example, or if poor wording in advertising offers the false impression that your garage doors can withstand temperatures they cannot.
  • Commercial Property: Essential to any company with physical assets, this type of garage door manufacturers insurance, also called business property insurance, is there to protect your building, manufacturing equipment, inventory, furniture, and digital assets against unforeseen circumstances that include theft and acts of nature. Be aware that commercial property insurance can also offer compensation for revenue lost due to these circumstances.
  • Workers Compensation: Whether an employee sustains a serious injury on the production line or trips over inventory placed where it should not have been, workplace accidents can warrant medical attention and even render an employee unable to work for a time. Workers' compensation insurance covers their expenses, both in the form of medical bills and lost wages. It also protects your company from civil suits.

These types of garage door manufacturers insurance are standard within this industry. They may not, however, cover all your needs. It is, therefore, important to assess your risk profile with a commercial insurance agent you trust.

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.

Garage Door Manufacturing's Risks & Exposures


Premises liability exposures at the plant are normally low as access by visitors is limited. If tours are given or if outsiders are allowed on premises, visitors may be injured by slips, trips, or falls. The storage of raw materials or finished goods outdoors can produce an attractive nuisance hazard.

The yard should be fenced to prevent unauthorized access, with proper lighting and warnings. Fumes, dust, fire, and explosion, and noise from production could affect neighbors.

Products liability exposure can be high as overhead doors are used in both commercial and residential structures. Should the door fail, it could fall, resulting in bodily injury or death to persons or substantial damage to property. There should be a quality control program including high standards for materials, testing and monitoring of components, and documentation of sources.

If doors are installed by others, the manufacturer should provide detailed specifications for installation. Older doors made before improved safety features were introduced may be in use for decades.

Environmental impairment exposure is high due to possible contamination of ground, air, and water from raw chemicals and paints used in processing and lubricants and solvents used to service machinery. For plastics, the raw materials may be toxic and/or flammable, the catalysts may be caustic, and the final product is usually not biodegradable. Storage and disposal procedures must adhere to all EPA and other regulatory standards.

Workers compensation exposures are very high. Injuries from production machinery are common, as are minor cuts, puncture wounds, burns, slips, trips, falls, foreign objects in the eye, back injuries from lifting, and hearing impairment from noise. Repetitive motion injuries can be a concern. Workstations should be ergonomically designed. Amputations can occur from working with machinery.

Springs can break during installation, resulting in severe bodily injury. Exposure to airborne dust and chemicals can cause injury to eyes, skin, and lungs. Should there be a fire, the fumes in the smoke from molten plastic are very dangerous. Workers should be made aware of potential problems and may need periodic monitoring for cumulative exposure.

The high volume required for production schedules may lead workers to remove guards on the machinery, or to postpone maintenance and repair to increase production. Workers should be trained to operate machinery. Safety equipment should be required. Drivers of forklifts and vehicles may be injured in accidents.

Property exposures consist of an office, shop, warehouse for raw materials and finished goods, and often a yard for storage of raw materials. Ignition sources include electrical wiring, heating and cooling equipment, production machinery, welding, and explosions from the build-up of static electricity or dust from cutting and sanding operations. The risk increases dramatically in the absence of proper dust collection systems, ventilation, and disposal procedures.

Plastic is highly flammable and will cause a great deal of smoke damage if there is a fire. Molten plastic can carry a fire great distances and into crevices. Wood is highly combustible and susceptible to damage by fire, smoke, and water. Solvents used to clean machinery, adhesives, paints, varnishes and stains may be flammable and must be separated and stored away from other operations.

Spray-painting can cause fire or explosion unless carried out in spray booths with explosion-proof electrical components. The use of dip tanks instead of spray booths may require special attention. There should be fire detection and suppression systems. Smoking should be prohibited.

Producers of high-end or custom products may have a high risk of theft. Appropriate security controls should 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, ventilation and dust collection systems, electrical control panels and other apparatus. A lengthy breakdown to production machinery could result in severe loss, both direct and under time element.

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

Inland marine exposures include accounts receivable if the manufacture offers credit, computers (which may include computer-run production equipment), contractors' equipment for forklifts and other heavy machinery, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. For goods in transit, the primary causes of loss are fire, theft, collision, overturn, and water damage.

Commercial auto exposure is high as the manufacturer generally transports raw materials and finished goods. Door panels are heavy and require tie-downs during transport to prevent shifting that can cause collision or overturn.

Manufacturers generally have private passenger fleets used by sales representatives. There should be written procedures regarding private and permissive use. 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

Description for 2431: Millwork

Division D: Manufacturing | Major Group 24: Lumber And Wood Products, Except Furniture | Industry Group 243: Millwork, Veneer, Plywood, And Structural Wood

2431 Millwork: Establishments primarily engaged in manufacturing fabricated wood millwork, including wood millwork covered with materials such as metal and plastics. Planing mills primarily engaged in producing millwork are included in this industry, but planing mills primarily producing standard workings or patterns of lumber are classified in Industry 2421. Establishments primarily manufacturing wood kitchen cabinets and bathroom vanities for permanent installation are classified in Industry 2434.

  • Awnings, wood
  • Blinds (shutters), wood
  • Brackets, wood
  • Door jambs, wood
  • Door trim, wood
  • Door units, prehung: wood and covered wood
  • Doors, combination screen-storm: wood
  • Doors, wood and covered wood
  • Floor baseboards, wood
  • Garage doors, overhead: wood
  • Jalousies, glass: wood frame
  • Louver windows and doors, glass with wood frame
  • Millwork products
  • Moldings, wood and covered wood: unfinished and prefinished
  • Newel posts, wood
  • Ornamental woodwork: e.g., cornices and mantels
  • Panel work, wood
  • Planing mills, millwork
  • Porch work, wood
  • Railings, stair: wood
  • Sash, door and window: wood and covered wood
  • Screens, door and window wood
  • Shutters, door and window: wood and covered wood
  • Silo staves, wood
  • Staircases and stairs, wood
  • Trellises, wood
  • Trim, wood and covered wood
  • Venetian blind slab, wood
  • Wainscots, wood
  • Weather strip, wood
  • Window frames and sash, wood and covered wood
  • Window screens, wood
  • Window trim, wood and covered wood
  • Window units, wood and covered wood
  • Woodwork, interior and ornamental: eg., windows, doors, sash, and

Description for 3442: Metal Doors, Sash, Frames, Molding And Trim Manufacturing

Division D: Manufacturing | Major Group 34: Fabricated Metal Products, Except Machinery And Transportation Equipment | Industry Group 344: Fabricated Structural Metal Products

3442 Metal Doors, Sash, Frames, Molding And Trim Manufacturing: Establishments primarily engaged in manufacturing ferrous and nonferrous metal doors, sash, window and door frames and screens, molding, and trim. Establishments primarily engaged in manufacturing metal covered wood doors, windows, sash, door frames, molding, and trim are classified in Industry 2431.

  • Baseboards, metal
  • Casements, aluminum
  • Door and jamb assemblies, prefabricated: metal
  • Door frames and sash, metal
  • Doors, louver: all metal or metal frame
  • Doors, metal
  • Fire doors, metal
  • Garage doors, overhead: metal
  • Hangar doors, sheet metal
  • Jalousies, all metal or metal frame
  • Louver windows, all metal or metal frame
  • Moldings and trim, metal: except automobile
  • Rolling doors for industrial buildings and warehouses, metal
  • Screen doors, metal
  • Screens, door and window: metal frame
  • Shutters, door and window: metal
  • Store fronts, prefabricated: metal except porcelain enameled
  • Storm doors and windows, metal
  • Trim and molding, except automobile: metal
  • Weather strip, metal
  • Window frames and sash, metal

Garage Door Manufacturers Insurance - The Bottom Line

Garage door manufacturers insurance policies differ in cost and coverages. To see if your business has the best fit commercial insurance policies - speak to an experienced 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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