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Glass Manufacturers Insurance Policy Information

Glass Manufacturers Insurance

Glass Manufacturers Insurance. Glass products such as tinted glass panes, glass blocks, and plate glass are manufactured using a float glass method, in which molten glass is floated on a bed of likewise molten metal.

Not only does this complex process require extremely high temperatures, the metals used for this purpose, such as lead and tin, are often toxic in nature. Expensive manufacturing equipment such as float glass lines, kilns, and machines that are essential to the cooling process are crucial in this line of work as well.

Non-glassware glass manufacturers produce glass blocks, plate glass, or tinted glass panes. Glassmaking is a highly automated process.

Silica (quartz sand) is combined with soda and lime, plus colorants and other additives to affect its appearance and qualities. The mixture is melted, released into a float bath tank, cooled, and conveyed onto a cutting area.

Because of the size of the float tanks and the cost of heating and processing, the operation is continual and not shut down until absolutely necessary.

Plate glass may be tinted, coated, tempered, or laminated, and cut to dimension. Glass block may be used in structural load-bearing applications, specialized tinted glass is used to filter out harmful rays from the sun, and non-silica glass is used extensively in fiber optics.

There is no doubt that manufacturers of glass products such as these play a vital role in the global construction industry, and their products are likewise used in vehicles of all kinds. However, the manufacture of glass products is unquestionably hazardous.

That is why it is clear that businesses in this industry need to look to arm themselves with the best possible glass manufacturers insurance coverage in case something goes wrong. What might that look like? This brief guide offers insights.

Glass 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 glass manufacturing insurance questions:

How Much Does Glass Manufacturers Insurance Cost?

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

Why Do Glass Manufacturers Need Insurance?

Insurance For Manufacturers

Even when a company follows the strictest occupational safety rules and takes proactive steps to minimize risks, accidents can happen and circumstances beyond your control can have devastating consequences.

Glass manufacturers who invest in outstanding insurance refuse to let these pitfalls win, and will be able to recover from any setbacks they are confronted with much more easily.

Among the risks that threaten your company's financial health are hazards common to all fields of industry; theft and vandalism, and acts of nature like earthquakes and hurricanes are examples of these universal risks.

Glass manufactures also face industry-specific perils, however. Workers can become injured during the manufacturing process, but also suffer occupational illness after exposure to dust or toxic fumes.

In both cases, manufactures can be held responsible. Expensive equipment may break down and need repair or replacement, and third parties attending your premises, too, may get into accidents.

Should any of these threats, or others that you never saw coming, befall your company, it will be too late for prevention. With the right glass manufacturers insurance, however, you are protected - depending on your coverage, the costs you incur may be partially or even fully covered.

What Type Of Insurance Do Glass Manufacturers Need?

Because insurance plans need to be tailored to every company's unique needs, it is vital to have an in-depth consultation with an experienced and skilled commercial insurance agent who has insights into your company's inner workings.

The location of your manufacturing facility, your number of employees, what kind of machinery you own and use, and your exact production process all influence your insurance needs, alongside the cost of your coverage.

Some types of glass manufacturers insurance are indispensable for companies in this industry, however, and among them are:

  • Commercial Property: Intended to protect your company from the financial consequences of calamities like earthquakes, fires, and theft, this type of insurance covers your physical assets. That means your physical manufacturing facility (building), but also machines, raw materials, computers, and finished inventory waiting to be shipped out. Each insurance plan is unique, and companies should be aware that serious floods are not always covered under this type of insurance.
  • Workers Compensation: If an employee suffers either an acute injury in the workplace or is affected by an occupational illness resulting from exposure to toxins, workers' comp takes care of their medical expenses, from emergent hospital visits to long-term care like occupational therapy. Lost wages are likewise covered for those employees who cannot return to work after an occupational injury.
  • Commercial General Liability: This type of glass manufacturers insurance protects you in the case that a third party - in this instance essentially meaning someone who does not work for you - suffers bodily injury on your property in a situation for which you can be held liable. Should your company's activities lead to third party property damage (for example, environmental damage caused by byproducts of your production process), commercial general liability coverage can help you as well.
  • Product Liability: This is a type of liability insurance that pertains to your products. Even long after sale, should a glass product lead to injury or property damage due to the product's malfunction, it is possible that you will be held responsible. The injured party could file a lawsuit, and product liability insurance protects you in that case, by covering the resulting costs.

Remember that your insurance needs are as unique as your company, as well as that each insurer offers slightly differing coverage.

Examine every possible risk together with a commercial insurance agent, so that you can focus on growing your business while knowing you have done everything you can to protect your interests with the correct glass manufacturers insurance program.

Glass Manufacturing's Risks & Exposures


Premises liability exposures are normally low due to limited access by visitors. If tours are given or if outsiders are allowed on premises, visitors may be injured by slips, trips, or falls. The storage of large quantities of raw materials such as silica, plus recycled salvage, can produce attractive nuisance hazards to trespassers, particularly children.

Fumes, dust, and noise from processing operations may affect neighbors. This can result in a high frequency of nuisance claims, but may also cause serious health problems due to the generation of silica dust.

Products liability exposure is low to moderate. There should be quality control procedures in place, with checks conducted to detect cracks, blemishes or other defects. The manufacture of bulletproof glass, structural (load-bearing) block, and similar special purpose glass increase the exposure due to the potential bodily injury or property damage loss should a product fail.

Environmental impairment exposure is moderate to high due to the potential for air, land and water pollution from dust and fuel storage tanks. Both the vapors and pollutants that can be released into the air are noxious and hazardous, as are the waste materials.

These chemicals should be handled by qualified, licensed material waste handlers. Disposal procedures must adhere to all EPA and other regulatory standards.

Workers compensation exposures are serious. Injuries from production machinery are common, as are minor cuts from flying and broken glass, burns from high-temperature processing and molten glass, slips, trips, falls, foreign objects in the eye, back injuries from lifting, hearing loss from noise, and repetitive motion losses. Workstations should be ergonomically designed.

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. Exposure to silica may cause serious skin, eye, and respiratory irritations, and lead to occupational diseases such as Silicosis or Shaver's Lung.

Property exposures consist of office, production plant and warehouse for raw materials and finished goods. Ignition sources include electrical wiring, heating systems, high-temperature production machinery, storage of large amounts of fuels to operate them, and molten materials. Maintenance of equipment is critical to prevent wear and tear and overheating, which are potential fire hazards.

In the absence of well-maintained dust collection systems, cutting and buffing operations can generate dust which can catch on fire. Finished glass may be damaged by accidental breakage or by vandalism, but the raw materials are not susceptible to fire, water or smoke damage.

Interruption of utility services is a major concern because of the continual operation of the float baths. Business income loss exposure is high, because once a system is shut down, it is a major operation to start it up again.

Equipment breakdown exposures include malfunctioning production equipment, dust collection and ventilation systems, electrical control panels and other apparatus. These should be properly maintained. Breakdown and loss of use to the float baths, conveyors and other production machinery could result in significant loss, both direct and under time element. Production equipment may include CNC (computer-controlled) and custom-made machinery.

Crime exposure comes from employee dishonesty. 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), 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. Stock in transit may be highly susceptible to damage from breakage in a collision or overturn and possibly theft.

Commercial auto exposure may be high if the manufacturer picks up raw materials, especially large shipments of sand, or delivers finished goods to customers. The delivery of goods requires careful loading and tie-down to prevent glass products from shifting and toppling over. 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

Description for 3211: Flat Glass

Division D: Manufacturing | Major Group 32: Stone, Clay, Glass, And Concrete Products | Industry Group 321: Flat Glass

3211 Flat Glass: Establishments primarily engaged in manufacturing flat glass. This industry also produces laminated glass, but establishments primarily engaged in manufacturing laminated glass from purchased flat glass are classified in Industry 3231.

  • Building glass, flat
  • Cathedral glass
  • Float glass
  • Glass, colored: cathedral and antique
  • Glass, flat
  • Insulating glass, sealed units
  • Laminated glass, made from glass produced in the same establishment
  • Multiple-glazed insulating units
  • Opalescent flat glass
  • Ophthalmic glass, flat
  • Optical glass, flat
  • Picture glass
  • Plate glass blanks for optical or ophthalmic uses
  • Plate glass, polished and rough
  • Sheet glass
  • Sheet glass blanks for optical or ophthalmic uses
  • Skylight glass
  • Spectacle glass
  • Structural glass, flat
  • Tempered glass
  • Window glass, clear and colored

Description for 3221: Glass Containers

Division D: Manufacturing | Major Group 32: Stone, Clay, Glass, And Concrete Products | Industry Group 322: Glass And Glassware, Pressed Or Blown

3221 Glass Containers: Establishments primarily engaged in manufacturing glass containers for commercial packing and bottling, and for home canning.

  • Ampoules, glass Bottles for packing, bottling, and canning: glass Carboys, glass Containers for packing, bottling, and canning: glass Cosmetic jars, glass Fruit jars, glass Jars for packing, bottling, and canning: glass Jugs for packing, bottling, and canning: glass Medicine bottles, glass Milk bottles, glass Packers' ware (containers), glass Vials, glass: made in glassmaking establishments Water bottles, glass

Description for 3231: Products Of Purchased Glass

Division D: Manufacturing | Major Group 32: Stone, Clay, Glass, And Concrete Products | Industry Group 323: Glass Products, Made Of Purchased Glass

3231 Products Of Purchased Glass: Establishments primarily engaged in manufacturing glass products from purchased glass. Establishments primarily engaged in manufacturing optical lenses, except ophthalmic, are classified in Industry 3827, and those manufacturing ophthalmic lenses are classified in Industry 3851.

  • Aquariums and reflectors, made from purchased glass
  • Art glass, made from purchased glass
  • Christmas tree ornaments, made from purchased glass
  • Cut and engraved glassware, made from purchased glass
  • Decorated glassware: e.g., chipped, engraved, etched,
  • Doors, made from purchased glass
  • Enameled glass, made from purchased glass
  • Encrusting gold, silver, or other metals on glass products: made from
  • Flowers, foliage, fruits and vines: artificial glass-made from
  • Fruit, artificial: made from purchased glass
  • Furniture tops, glass: cut, beveled, and polished
  • Glass, scientific apparatus: for druggists', hospitals, laboratories-made
  • Glass, sheet: bent-made from purchased glass
  • Grasses, artificial: made from purchased glass
  • Ground glass, made from purchased glass
  • Industrial glassware, made from purchased glass
  • Laboratory glassware, made from purchased glass
  • Laminated glass, made from purchased glass
  • Leaded glass, made from purchased glass
  • Medicine droppers, made from purchased glass
  • Mirrors, framed or unframed: made from purchased glass
  • Mirrors, transportation equipment: made from purchased glass
  • Multiple-glazed insulating units, made from purchased glass
  • Novelties, glass: e.g., fruit, foliage, flowers, animals, made from
  • Ornamented glass, made from purchased glass
  • Plants and foliage, artificial: made from purchased glass
  • Reflector glass beads, for highway signs and other reflectors: made
  • Safety glass, made from purchased glass
  • Silvered glass, made from purchased glass
  • Stained glass, made from purchased glass
  • Table tops made from purchased glass
  • Technical glassware, made from purchased glass
  • Tempered glass, made from purchased glass
  • Test tubes, made from purchased glass
  • Vials, made from purchased glass
  • Watch crystals, made from purchased glass
  • Windows, stained glass: made from purchased glass
  • Windshields, made from purchased glass

Glass Manufacturers Insurance - The Bottom Line

Glass manufacturers insurance policies can differ a lot in coverage, costs and exclusions. To discover if your glass manufacturing operation has the best fit insurance policies - talk 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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