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Glassware Manufacturers Insurance Policy Information

Glassware Manufacturers Insurance

Glassware Manufacturers Insurance. An enormous variety of drinks exist, and with them come at least that many different types of glassware, because, although it is possible, you wouldn't drink red wine out of a margarita glass.

Glassware manufacturers produce bottles, stemware, and dinnerware, collectible and ornamental objects. 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 formed into a paste or dough-like substance, melted, then forced or pressed into a mold. Once removed from the mold, it is carefully cooled, then trimmed or sanded to remove any seams.

Because of the size of the furnaces and the cost of heating and processing, the operation is continuous and not shut down until absolutely necessary. There may be mechanized glass-blowing operations.

Each type of drink has specific properties, and needs the right kind of glass to emphasize those properties. Asides from this so-called "drinkware", glassware also includes vases, pitchers, punch bowls, and art glassware, to name a few examples.

While this industry can be extremely profitable, companies that make glassware also have to be aware that they face a number of risks, any of which could shatter their financial future. What kind of glassware manufacturers insurance coverage is best suited to guard you against these hazards? To discover more, keep reading.

Glassware 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 glassware manufacturing insurance questions:

How Much Does Glassware Manufacturers Insurance Cost?

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

Why Do Glassware Manufacturers Need Insurance?

Insurance For Manufacturers

No matter what type of industry a company works in, potentially-devastating perils will always be on the horizon, and there's no way around this. Regardless of the type of product you produce, floods, earthquakes, wild fires, hurricanes, lightning strikes, and other acts of nature can affect your company.

These events beyond your control can cause serious damage that might cost a lot to fix. Each field is at risk of damage caused by theft and vandalism, as well.

Glassware manufacturers additionally have to contend with hazards specific to their own industry. Making glass requires both expensive manufacturing equipment and extremely high temperatures. Each equipment malfunction might deal a significant financial blow.

High temperatures and molten glass can cause both serious work-related injuries and fires, which might cause serious damage to your property. Glass is further extremely breakable, and any loss of inventory leads affects your bottom line.

While you can take steps to minimize the risks your company faces, you can never eliminate accidents and other unforeseen circumstances entirely. An proper glassware manufacturers insurance plan can, however, help you recover from these perils.

What Type Of Insurance Do Glassware Manufacturers Need?

While all glassware manufacturers will share common risks, there is no such thing as a "cookie-cutter insurance plan", since each company is unique, and faces unique threats. This is why it is essential to consult an experienced commercial insurance agent.

By familiarizing your insurance agent with all the relevant details - such as the type and the amount of product you manufacture, the terrain where your facility is located, and the climate of the surroundings, you can come up with an insurance plan that best shields your business from all hazards.

Some of the most common types of glassware manufacturers insurance include:

  • Commercial General Liability: This type of insurance protects your company from losses caused by lawsuits filed by third parties due to damage caused to third party property. It also covers bodily injury liability. Both legal costs and settlement fees fall into this category.
  • Commercial Property: This type of glassware manufacturers insurance protects your own property financial losses related to damage caused by acts of nature, such as earthquakes, floods, fires, lightning strikes, and hurricanes. This type of insurance also covers damage caused to your goods and your property in acts of theft and vandalism.
  • Product Liability: A more specialized type of liability coverage, product liability insurance protects your company should any of your products cause third party bodily injury or property damage. If, for any reason, you need to recall your product, this type of insurance can cover the loss revenue.
  • Workers Compensation: Manufacturing glassware is a relatively dangerous job, and workers in this line of work face a greater risk of workplace injury than people employed in some other industries. This type of insurance will protect both you and your workers. In the case of an unfortunate event, your employees'' medical expenses are covered, as well as lost income, and in turn, this insurance protects your company from litigation.

Making glassware is both a hard and a delicate job. And just like glassware, a single accident might cause your company to fall to pieces.

Because of this, businesses in this industry need a backup plan. With the right glassware manufacturers insurance coverage, you will be able to overcome any obstacle your company might face.

Glassware 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 raw materials or recycled glass outdoors 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 good quality control procedures in place, with checks conducted to detect cracks, blemishes or other defects.

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, 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. The finished glass may be damaged by accidental breakage or by vandalism, but the raw materials are not susceptible to fire, water or smoke damage. High-end products or limited edition collectibles may be target items for theft. 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 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 and theft. 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. 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 3229: Pressed And Blown Glass And Glassware, Not Elsewhere Classified

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

3229 Pressed And Blown Glass And Glassware, Not Elsewhere Classified: Establishments primarily engaged in manufacturing glass and glassware, not elsewhere classified, pressed, blown, or shaped from glass produced in the same establishment. Establishments primarily engaged in manufacturing textile glass fibers are also included in this industry, but establishments primarily engaged in manufacturing glass wool insulation products are classified in Industry 3296. Establishments primarily engaged in manufacturing fiber optic cables are classified in Industry 3357, and those manufacturing fiber optic medical devices are classified in Industry Group 384. Establishments primarily engaged in the production of pressed lenses for vehicular lighting, beacons, and lanterns are also included in this industry, but establishments primarily engaged in the production of optical lenses are classified in Industry 3827. Establishments primarily engaged in manufacturing glass containers are classified in Industry 3221, and those manufacturing complete electric light bulbs are classified in Industry 3641.

  • Art glassware, made in glassmaking plants
  • Ashtrays, glass
  • Barware, glass
  • Battery jars, glass
  • Blocks, glass
  • Bowls, glass
  • Bulbs for electric lights, without filaments or sockets
  • Candlesticks, glass
  • Centerpieces, glass
  • Chimneys, lamp: glass-pressed or blown
  • Christmas tree ornaments, from glass
  • Clip cups, glass
  • Cooking utensils, glass and glass ceramic
  • Drinking straws, glass
  • Fiber optics strands
  • Fibers, glass, textile
  • Flameware, glass and glass ceramic
  • Frying pans, glass and glass ceramic
  • Glass blanks for electric light bulbs
  • Glass brick
  • Glassware, except glass containers for packing, bottling, and canning
  • Glassware: art, decorative, and novelty
  • Goblets, glass
  • Illuminating glass: light shades, reflectors, lamp chimneys, and globes
  • Industrial glassware and glass products, pressed or blown
  • Ink-Wells, glass
  • Insulators, electrical: glass
  • Lamp parts, glass
  • Lamp shades, glass
  • Lantern globes, glass: pressed or blown
  • Lens blanks, optical and ophthalmic
  • Lenses, glass: for lanterns, flashlights, headlights, and searchlights
  • Level vials for instruments, glass
  • Light shades, glass: pressed or blown
  • Lighting glassware, pressed or blown
  • Novelty glassware: made in glassmaking plants
  • Ophthalmic glass, except flat
  • Optical glass blanks
  • Photomask blanks, glass
  • Reflectors for lighting equipment, glass: pressed or blown
  • Refrigerator dishes and jars, glass
  • Scientific glassware, pressed or blown: made in glassmaking plants
  • Stemware, glass
  • Tableware, glass and glass ceramic
  • Tea kettles, glass and glass ceramic
  • Technical glassware and glass products, pressed or blown
  • Television tube blanks, glass
  • Textile glass fibers
  • Tobacco jars, glass
  • Trays, glass
  • Tubing, glass
  • Tumblers, glass
  • Vases, glass
  • Yarn, fiberglass: made in glass plants

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

Glassware Manufacturers Insurance - The Bottom Line

Not every glassware manufacturers insurance policy is the same in regards to coverage and cost. Learn if your glassware manufacturing operation has the best fit insurance policies by talking to an experienced business 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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