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Ice Cream Manufacturers Insurance Policy Information

Ice Cream Manufacturers Insurance

Ice Cream Manufacturers Insurance. Ice cream, a favorite treat for many, has bee popular for a very long time - but the manufacturing process and flavors continue to evolve and improve to this day.

Ice cream manufacturers receive milk from dairies or fluid milk processors and turn it into frozen products such as ice cream, frozen custard, frozen yogurt, sherbets and miscellaneous items to sell directly to retailers such as grocery stores and restaurants.

Since milk naturally contains bacteria that will cause it to spoil quickly even if refrigerated, milk and milk products are put through a heating process called pasteurization to destroy the bacteria.

Additional processes used to manufacture ice cream include blending, homogenizing, flavoring, coloring, aerating, adding fruits, nuts, or other ingredients, packaging, and freezing. Ice cream manufacturers are subject to regulation by the USDA and FDA.

To make ice cream, manufacturers depend not just on excellent raw materials ranging from dairy to non-dairy bases as well as fruit, chocolate, caramel, and even herbs, but also on complex and valuable machinery, without which the ice cream could never be as creamy and fluffy as it is.

There is no question that ice cream manufacture is a rewarding and exciting field of industry, and it is also clear that companies ranging in size from small, specialty, ice cream makers to large household names, can be extremely successful.

At the same time, it is also true that ice cream manufacturers face a variety of risks, in part due to the fact that food manufacturers have to content with the possibility that materials will be spoiled, and in part because the safety and quality of the product is of vital importance.

To protect their financial health in case of unforeseen circumstances, having the ice cream manufacturers insurance is essential. What might that entail? Find out more in this brief guide.

Ice cream 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 ice cream manufacturing insurance questions:

How Much Does Ice Cream Manufacturers Insurance Cost?

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

Why Do Ice Cream Manufacturers Need Insurance?

Insurance For Manufacturers

Arming yourself with comprehensive insurance coverage not only allows ice cream manufacturers to meet legal requirements and secure lender cooperation, it is, first and foremost, also the most secure way to protect your business from the many threats it could be confronted with.

Ice cream manufacturing businesses have to consider universal hazards as well as industry-specific risks as they consider their insurance needs.

Your facility could be damaged in an act of nature, such as a wildfire or hailstorm, or you may suffer damage and loss after a theft, act of vandalism, or catastrophic accident. Essential equipment could malfunction. Raw materials may be spoiled while in transit. Even a power outage could have a profound effect on your inventory.

Ice cream manufacturers also have to take the possibility of lawsuits into account, as well as the expenses that may follow in the event that an employee sustains an occupational injury.

As a successful business, you may be able to cover the costs associated with minor incidents comfortably, but large-scale perils easily lead to such massive costs that they could jeopardize the future of your ice cream company.

With the right ice cream manufacturers insurance coverage, however, the costs will be rendered manageable, or your insurer may foot the entire bill.

What Type Of Insurance Do Ice Cream Manufacturers Need?

Ice cream manufacturers will need to carry multiple types of insurance to successfully shield themselves from devastating financial losses. The exact nature of your insurance needs depends on factors like the location of your facility, your number of employees, the size of your operation, and the types of raw materials you process.

That is why companies in this industry always need to consult a commercial insurance broker, who can help them craft a custom insurance plan. However, among the most important types of ice cream manufacturers insurance are:

  • Commercial Property: This kind of insurance coverage protects your business from financial loss if your facility is struck by perils such as acts of nature, vandalism, and theft. Both the building and its contents are covered.
  • General Liability: Your legal defense costs and settlement payments are both (at least partially) covered by this form of ice cream manufacturers insurance, in the event that a third party is injured on your premises or as a result of your company's actions. Should your business cause property damage to third parties, the costs also fall under commercial general liability insurance.
  • Product Liability: This type of insurance performs the same function of covering your legal fees, but in this case as they relate to your product. Should someone allege that your ice cream caused them medical problems, or in case a product recall is required, your expenses are covered.
  • Workers' Compensation: If one of your employees were to sustain an injury at work, this kind of insurance covers their medical needs, and, if necessary, any lost income resulting from the injury.

While these types of ice cream manufacturers insurance form the backbone of a solid insurance program, you may have additional needs - in the form of inland marine, commercial auto, and equipment breakdown insurance, to name some examples. To find out more, speak to a reputable commercial insurance broker.

Ice Cream Manufacturing's Risks & Exposures


Premises liability exposure is moderate as drivers of pickup and delivery vehicles, repairmen, and inspectors regularly visit the premises. There must be clear markings as to where trucks may go, and their movements must be controlled in order to keep the area safe and secure.

If tours are given or the manufacturer has a retail store on premises, all life safety codes must be met to assure visitor safety. Good housekeeping is critical due to the potential for 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.

Products exposures are moderate due to the possibility of contamination, spoilage, and foreign objects in the finished products. Raw milk should be tested before processing. 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.

An on-site laboratory is recommended to verify quality control. Controls must be in place to prevent contamination from exposure to chemicals such as insecticides and pesticides. Stock dating and rotation are important factors. Metal detection machines should be in place to check on metal contamination from machinery. An effective recall program must be in place that can be activated immediately.

Environmental impairment exposures can occur from underground or aboveground fuel tanks, leakage of refrigerants such as ammonia and chlorofluorocarbons, and the disposal of waste products. Storage and waste disposal must comply with all federal and state requirements.

All waste items must be removed regularly by a qualified outside contractor. Wastewater must be checked to prevent contaminants from entering the air, ground, or water. If there are underground storage tanks, a UST policy may be required.

Workers compensation exposure results from burns caused by the heating machinery and equipment, back injuries or hernias from lifting, foreign objects in the eye, and slips and falls from spills and inadequate housekeeping. The automated machinery can cause injury and loss if not properly guarded.

The excessive cold may cause frostbite injuries to the extremities, so appropriate gloves and boots should be provided. All walk-in freezers must have inside escape releases. Employees may be exposed to chemicals 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.

Slips and falls can result if the floors and premises are not kept clean. 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.

Delivery drivers are exposed to lifting injuries in the loading and unloading process. Employees delivering goods to customers can be injured in vehicle accidents.

Property exposures are high. Ice cream manufacturers may be located in rural areas with limited firefighting resources and water supply. Ignition sources include electrical wiring, heating and air conditioning systems, refrigeration/cooling equipment, and automated conveyance and processing equipment.

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.

Dairy products must meet extremely high sterility requirements, with most processes taking place in closed containers to prevent contamination. This sterile environment helps control most fire exposures. However, if a small fire does begin, a total loss could occur 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.

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 as some production equipment may be 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. If there are boilers, operational safety valves must be in place.

Crime exposure is from employee dishonesty of both inventory and money. Background checks should be conducted on all employees. The inventory must be under the supervision of more than one individual so that 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. If drivers pick up checks or accept money, there is both an employee dishonesty and theft of money and securities concern. Money can be an exposure if the dairy accepts cash for tours or retail operations. Receipts should be issued for any cash payments received.

Inland marine exposure is from accounts receivable if the manufacturer bills customers, computers (which may include computer-run processing systems), contractors' equipment for forklifts, goods in transit, and valuable papers and records.

Bulk milk is transported in refrigerated tankers that must be used only for milk. Each must be sanitized after every use. The tankers are bulky and will suffer total loss if overturned due to the potential loss of refrigeration and spoilage.

Valuable papers and records exposure is due to proprietary recipes, inventory records, customer files, quality control records, and contracts with suppliers and distributors.

Commercial auto exposures can be significant if the manufacturer picks up raw milk from dairy farms or delivers finished frozen goods to customers. Deliveries may be made in darkness or inclement weather. Drivers should be assigned to routes to be familiar with traffic patterns.

Because many deliveries are made to grocery stores and schools, drivers must be trained to be aware of the presence of children around and behind the vehicles. Liquids may sway while being transported which will affect the handling of the vehicle. Drivers must have an appropriate license, acceptable MVRs, and must be trained in driving tankers.

Drivers making long-haul deliveries may not exceed DOT standards for the number of hours worked per day and per week. Vehicles must undergo documented, regular maintenance.

Commercial Insurance And Business Industry Classification

Description for 2024: Ice Cream And Frozen Desserts

Division D: Manufacturing | Major Group 20: Food And Kindred Products | Industry Group 202: Dairy Products

2024 Ice Cream And Frozen Desserts: Establishments primarily engaged in manufacturing ice cream and other frozen desserts. Establishments primarily engaged in manufacturing frozen bakery products, such as cakes and pies, are classified in Industry 2053.

  • Custard, frozen
  • Desserts, frozen: except bakery
  • Fruit pops, frozen
  • Ice cream: e.g., bulk, packaged, molded, on sticks
  • Ice milk: e.g., bulk, packaged, molded, on sticks
  • Ices and sherbets
  • Juice pops, frozen
  • Mellorine
  • Parfait
  • Pops, dessert: frozen-flavored ice, fruit pudding and gelatin
  • Pudding pops, frozen
  • Sherbets and ices
  • Spumoni
  • Tofu frozen desserts
  • Yogurt, frozen

Ice Cream Manufacturers Insurance - The Bottom Line

Ice cream manufacturers insurance policies can vary in cost and coverage. You can discover if your business has the best fit insurance policies by talking to an experienced commercial insurance agent.

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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