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Lawn Mower Manufacturers Insurance Policy Information

Lawn Mower Manufacturers Insurance. Lawn mowers - machines used to cut grass to a predetermined length - exist in many different types. They may have a single rotating blade or multiple, and are each powered by a motor.

Beyond these basic common features, lawn mowers may be powered by gasoline, electricity or manual labor, they may be riding mowers or mowers attached to a tractor, and even robotic lawn mowers have now entered the market.

From residential homes to landscaping companies and agricultural businesses, numerous different types of consumers require lawn mowers. The companies manufacturing diverse types of lawn mowers can rest assured that there will always be a demand for their product.

By the same token, they must also be aware that unforeseen circumstances can pose a serious threat to their financial health at any time. This is why it is crucial to learn what types of lawn mower manufacturers insurance can best protect a company in this industry.

Lawn mower 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 lawn mower manufacturing insurance questions:

• What Is Lawn Mower Manufacturers Insurance?
• How Much Does Lawn Mower Manufacturers Insurance Cost?
• Why Do Lawn Mower Manufacturers Need Insurance?
• What Type Of Insurance Do Lawn Mower Manufacturers Need?
• What Does Lawn Mower Manufacturers Insurance Cover & Pay For?

Why Do Lawn Mower Manufacturers Need Insurance?

Each business owners knows that uncertainty is an integral feature of running a successful business. Just like you may have unexpected gains and successes, companies that make lawn mowers are vulnerable to a spectrum of threats that could lead to serious financial damage.

Both risks common to all commercial ventures and those more specific to your own field have to be taken into account.

Acts of nature - wildfires, floods, storms, lightning strikes, and hurricanes, for example - may be the best example of a threat that is almost impossible to prevent. Theft and vandalism, too, pose a risk to any company.

Companies that make lawn mowers rely on valuable manufacturing equipment that may break down at any time, after which they incur repair or replacement costs as well as potentially being forced to interrupt their production.

The risk that an employee becomes injured at work, holding your company liable in the process, is also always present. Third parties, too, could suffer accidents on your premises.

The possibility that a user of your lawn mowers could become injured and subsequently allege that a manufacturing error on your part, or even faulty instructions, played a role in this injury, is another serious risk faced by lawn mower manufacturers.

Not all these hazards can be prevented, and none can be avoided after the fact. Lawn mower manufacturers insurance is disaster protection that continues to serve you even after unforeseen circumstances have threatened your business.

Keep in mind that these important types of lawn mower manufacturers insurance are not the only ones available to firms in this industry.

A commercial insurance specialist can help you cover all your bases.

Lawn Mower Manufacturing's Risks & Exposures

Premises liability exposure is 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. If stock is stored in the open, it becomes attractive to trespassers, particularly children.

Fumes, dust, and noise from processing operations may affect neighbors, resulting in nuisance claims. Off-premises liability exposures come from exhibitions or demonstrations at retail locations, fairs, or exhibitions.

Products liability exposure is significant due to rotating blades and sharp cutting surfaces. Customers may be seriously injured due to poor workmanship, faulty design, product malfunction or improper use.

Warning labels regarding dangers of personal injury are important, but provide only limited defense as courts commonly apply strict liability standards to inherently dangerous consumer products.

Sharp-edged parts could break off and cause severe injuries. Malfunction in the wiring could present a fire or an electrocution hazard. Rupture of fuel lines or tanks could result in an explosion. Lawn mowers and other garden equipment tend to have a longer life span than other types of motorized equipment.

Older equipment made before improved safety features were introduced may still be in use, extending the period for product liability claims to be made.

Environmental impairment exposure can range from moderate to high due to the potential for air, land and water pollution from dust and fuel storage tanks. Raw plastics may be toxic and flammable, the catalysts may be caustic, and the final product is usually not biodegradable.

Metal contaminants may come from the chemicals, paints, and solvents used. Vapors, fumes and air pollutants, wastewater and disposal of by-products must be evaluated and controlled. Disposal of plastics, chemicals and flammable liquids must adhere to all EPA and other regulatory standards.

If the insured manufactures gas or kerosene-powered lawnmowers, fuel tanks will be on premises with the potential for spillage and contamination. If there are underground tanks, a UST policy may be required.

Workers compensation exposures can be extremely high. Injuries from production machinery are common, as are cuts, burns, 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. Metalworking can result in amputations, burns from welding and heated metal, exposure to dust, and respiratory problems from inhaling spray-paint or solvents.

Plastics have similar exposures, plus a potential for burns from heated machinery and eye and skin irritation from chemicals and resins. Moving blades or sharp cutting surfaces pose high risks during quality control testing.

Property exposures consist of an office, plant, and warehouse or yard for storage of raw materials, components, and finished units. Ignition sources include electrical wiring, heating systems, production machinery, welding and spray painting. Wear and tear and overheating of machinery are potential fire hazards.

There may be fuel tanks on premises. Hazards may include woodworking, sheet metal work, casting, heat treating, electroplating, plastic, fiberglass work, and upholstery operations. In the absence of well maintained dust collection systems, cutting and buffing operations can generate dust which can catch on fire. Welding should be done in a separate area away from combustibles.

Spray painting should be conducted in an area with explosion-proof wiring that meets all UL standards. Poor housekeeping, such as failure to collect and dispose of trash on a regular basis, could contribute significantly to a loss. Unless disposed of properly, greasy, oily rags (such as those used to clean machinery) can cause a fire without a separate ignition source.

Property stored in the open may be subject to loss by wind or hail or a target for vandalism. Appropriate security controls must be taken including lighting and 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.

Bottlenecks in the assembly process may result in a high concentration of values of partially completed units, affecting both property valuation and business income. There may be a substantial exposure to loss of income resulting from damage to contributing or dependent properties such as suppliers or customers.

Equipment breakdown exposures include malfunctioning production equipment, dust collection and ventilation systems, electrical control panels and other apparatus. These should be properly maintained and records kept in a central location. A lengthy breakdown could result in severe loss, both direct and under time element.

Crime exposure comes from employee dishonesty and theft as component parts and finished items are high in value. 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), exhibitions, 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. There may be contractors' equipment such as forklifts. The primary causes of loss are fire, wind, hail, theft, collision, and overturn.

Business auto exposure can be high if the manufacturer picks up raw materials or components 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.

What Does Lawn Mower Manufacturers Insurance Cover & Pay For?

Lawn mower manufacturers can be sued for various reasons, largely related to product liability, breaches of warranty, and negligence. Here are some examples, along with how insurance can help in each case:

1. Defects in Design: If the design of the lawn mower is inherently dangerous or defective, the manufacturer can be sued. This could involve situations where the lawn mower is prone to flipping over, the blade guard is inadequate, or the lawn mower easily catches fire. In these cases, a product liability insurance policy can come to the rescue. Product liability insurance is designed to protect businesses from claims related to the manufacture or sale of products, foods, medicines, or other goods to the public. It covers the manufacturer's or seller's liability for losses or injuries to a buyer, user, or bystander caused by a defect or malfunction of the product.

2. Manufacturing Defects: Manufacturing defects occur when the product doesn't conform to the designer's specifications. This could be due to poor quality materials, faulty assembly processes, or quality control failures. If a lawn mower has a manufacturing defect that causes harm to a user, the manufacturer can be sued. Here again, product liability insurance can cover the costs associated with these claims, including defense costs, settlements, and any awarded damages.

3. Failure to Provide Adequate Instructions or Warnings: If the manufacturer does not provide proper instructions for using the lawn mower or fails to warn users about potential risks or necessary precautions, they can be sued in case of an accident. A good product liability insurance policy will also cover this kind of claim, helping to pay for legal defense and any awarded damages or settlements.

4. Breach of Warranty: If a lawn mower manufacturer makes certain promises about the product's quality, function, or lifespan, they can be sued for breach of warranty if the product fails to meet these promises. In this case, a company may have commercial general liability insurance (CGL) that includes coverage for 'personal and advertising injury,' which can help pay for lawsuits related to breach of warranty.

5. Negligence: If a manufacturer fails to exercise reasonable care in the design, production, or testing of a lawn mower, leading to an accident or injury, they can be sued for negligence. Commercial general liability insurance typically covers claims of bodily injury or property damage resulting from negligent acts in the operation of the business, which would include manufacturing processes.

It's important to note that while insurance can provide a significant level of protection, it doesn't eliminate the need for manufacturers to prioritize safety and quality in their product design and manufacturing processes. Additionally, the specifics of what is covered can vary by policy, so manufacturers should work closely with their insurance providers to ensure they have the right types and levels of coverage.

Commercial Insurance And Business Industry Classification

• SIC CODE: 3524 Lawn And Garden Tractors And Home Lawn And Garden Equipment
• NAICS CODE: 333112 Lawn and Garden Tractor and Home Lawn and Garden Equipment Manufacturing
• Suggested Workers Compensation Code(s): 3507 Construction or Agricultural Machinery Manufacturing

Description for 3524: Lawn And Garden Tractors And Home Lawn And Garden Equipment

Division D: Manufacturing | Major Group 35: Industrial And Commercial Machinery And Computer Equipment | Industry Group 352: Farm And Garden Machinery And Equipment

3524 Lawn And Garden Tractors And Home Lawn And Garden Equipment: Establishments primarily engaged in manufacturing lawnmowers, lawn and garden tractors, and other lawn and garden equipment used for home lawn and garden care. Also included are establishments primarily engaged in manufacturing snowblowers and throwers for residential use. Establishments primarily engaged in manufacturing farm machinery and equipment (including commercial mowing and other turf and grounds care equipment) are classified in Industry 3523; those manufacturing hand lawn and garden shears and pruners are classified in Industry 3421; and those manufacturing other garden handtools are classified in Industry 3423.

• Blowers, residential lawn
• Carts for lawn and garden use
• Cultivators (garden tractor equipment)
• Grass catchers, lawnmower
• Hedge trimmers, power
• Lawn edgers, power
• Lawn rollers, residential
• Lawnmowers, hand and power: residential
• Loaders (garden tractor equipment)
• Mulchers, residential lawn and garden
• Plows (garden tractor equipment)
• Rototillers (garden machinery)
• Seeders, residential lawn and garden
• Snowblowers and throwers, residential
• Tractors, lawn and garden
• Vacuums, residential lawn
• Wagons for residential lawn and garden use

Lawn Mower Manufacturers Insurance - The Bottom Line

Not all lawn mower manufacturers insurance policies are similar. In fact, they can be very different in premiums and coverages. You can see 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.

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.

• 3D Printing
• Adhesives
• Alarms
• Audio & Video Equipment
• Auto Parts
• Bottling Plants
• Boxes
• Bricks
• Brooms & Brushes
• Buttons
• Cabinets
• Camping Equipment
• Canned Fruit & Vegetables
• Cans
• Canvas Products
• Caskets
• CBD Oil And Hemp
• Cement
• Ceramics
• Chemical
• Clock & Watch
• Clothing
• Coffee
• Commercial Air Conditioning
• Commercial Electronics
• Communications Equipment
• Computers
• Condoms
• Construction Equipment
• Cork Products
• Cosmetics
• Cutlery
• Dairies & Creameries
• Down And Feather Products
• Dry Ice
• Dyes & Pigments
• Electronic Toys & Games
• Electroplating
• Elevators
• Engines
• Exercise Equipment
• Farm Equipment
• Feed & Grain
• Fences
• Fertilizer
• Fireworks
• Flavoring Extracts
• Frozen Foods
• Fruit Juice
• Fur Garment
• Garage Door
• Gears
• Glass
• Glasswear
• Gypsum Products
• Hosiery
• Ice Cream
• Industrial Equipment
• Ink
• Insecticides
• Iron & Steel Foundries
• Jewelry
• Lawn Mowers
• Leather Apparel
• Leather Goods
• Lighting & Wiring
• Lumber & Wood Products
• Machine Shop
• Major Electrical Appliances
• Manufacturing
• Marijuana Products
• Mattresses & Box Springs
• Metal & Plastic Furniture
• Metal Heat Treating
• Metal Toys
• Millwork
• Monuments
• Musical Instruments
• Nanotechnology
• Nonferrous Foundries
• Ornamental Metalwork
• Paint
• Paper & Allied Products
• Pesticides
• Pet Food
• Pharmaceuticals
• Plastic & Rubber Toys
• Plastic Goods
• Plastics
• Plastics Molding, Forming & Extruding
• Pottery
• Product Liability
• Prosthetics
• Psychedelic Drugs
• Pulp & Paper Mills
• Refractory
• Residential Air Conditioning & Heating
• Rubber Goods
• Rugs
• Sawmills & Planing Mills
• Screw Machine Products
• Sheet Metal
• Soap & Detergent
• Shoes
• Small Electrical Appliances
• Sporting Goods
• Springs
• Stone Products
• Tanneries
• Textiles
• Textiles Finishing & Coating
• Tires
• Tobacco
• Tool & Die Shops
• Vegetable Juice
• Vending Machines
• Watercraft
• Wire
• Wire Rope
• Wood Furniture
• Woodworking
• Writing Instruments
• Yarn
• Specialty Manufacturing
• Specialty Product Liability

The manufacturing industry is a vital part of the economy and plays a significant role in the production of goods and services. However, it is also an industry that is prone to risks and accidents, which can result in costly damages and lawsuits. Therefore, it is essential for businesses in the manufacturing industry to have insurance to protect them against potential losses.

Business insurance can cover a wide range of risks, including property damage, liability, and worker injuries. For instance, if a fire were to break out in a manufacturing facility and destroy equipment or inventory, commercial insurance could cover the costs of replacing or repairing the damages. Similarly, if a worker were to be injured on the job, business insurance could cover medical expenses and lost wages.

In addition to protecting against physical damages, insurance can also provide financial protection against legal liabilities. If a customer were to sue a manufacturing business for a faulty product, the commercial insurance could cover the costs of legal fees and settlements.

Overall, insurance is essential for the manufacturing industry as it helps to mitigate risks and protect against unexpected costs. Without it, businesses in the industry could face financial ruin in the event of an accident or lawsuit.

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.