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Pet Food Manufacturers Insurance Policy Information

Pet Food Manufacturers Insurance

Pet Food Manufacturers Insurance. Gerbils, rats, guinea pigs, geckos, ferrets, fish, ants, and birds like parrots and budgerigars all make the list of most common pets people keep, and these diverse animals all have distinct dietary needs that can be plant-based or meat-based.

The bulk of the pet food market lies, however, in food for dogs and cats. This includes kibble, semi-moist food, and canned food as well as treats.

Pet food manufacturers produce food for dogs, cats, birds, fish, reptiles, and other animals kept as household pets. Dog and cat food consists predominantly of grains, meat, and meat by-products with minerals and vitamins added as nutrients.

Food for pet birds consists primarily of dried or roasted seeds. Fish food consists of vegetable or animal proteins plus spirulina. Reptiles may require live worms and insects, which are typically raised on special farms.

Grains are milled, meats are generally ground and cooked, and the ingredients are combined with additives such as vitamins or preservatives. The final product is then packaged into cans or bags. Pet foods are regulated by the Food and Drug Administration (FDA).

The process of manufacturing food for pets is meticulous and complicated - companies that make pet food have to source the correct raw materials, ensure their production is hygienic, test their feed for dangerous contaminants like Salmonella, and ensure their packaging meets high standards that keep food safe and fresh.

All of that falls outside of the scope of actual pet food manufacturing, which can itself include cooking, grinding, mixing, drying, and shaping pet food products.

In the United States alone, almost 400 million pets are estimated to live with about 85 million individual families. Pet food manufacturers can count on plenty of business, then, but they also have to face the reality that a number of threats could endanger their future at any time.

That begs the question - what kinds of pet food manufacturers insurance are needed?

Pet food 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 pet food manufacturing insurance questions:

How Much Does Pet Food Manufacturers Insurance Cost?

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

Why Do Pet Food Manufacturers Need Insurance?

Insurance For Manufacturers

Pet food manufacturers absolutely need to invest in high-quality of insurance, because a lot can go wrong. Risks universal to all fields of manufacture and even beyond apply to this business, but pet food manufacturers also have to confront hazards unique to their own line of work.

It would be impossible to list all the threats that have the potential to cause economic devastation, but acts of nature certainly have a place near the top. Ranging from earthquakes and hurricanes to serious floods or wildfires, these natural disasters could damage your facility and your manufacturing equipment, as well as ruining your entire inventory.

Theft and acts of vandalism such as intentionally-set fires are another very real possibility, alongside the risk that an employee or third party becomes injured on your premises.

The top threat unique to your company would probably be liability-related; whether an inspection or manufacturing error that affects either the pet food itself or its packaging causes harm to pets or their owners, resulting lawsuits can be extremely costly.

These and numerous other threats only have to strike once to land a pet food manufacturer in serious financial trouble, but if you build a business that stands the test of time, you can expect unforeseen circumstances to knock on the door far more often.

That is why the right pet food manufacturers insurance is so crucial - it protects your company against devastating economic pitfalls.

What Type Of Insurance Do Pet Food Manufacturers Need?

Just like pets themselves, pet food manufacturers are incredibly diverse. Only a trusted commercial insurance broker can help you build the insurance plan to that will best meet your individual company's varied needs.

Those needs depend, among other factors, on the type of pet food you produce, the location of your manufacturing facility, your storage solutions, and the number of workers you employ. Types of pet food manufacturers insurance that will get you onto the path toward a comprehensive plan include:

  • Commercial Property: The first type of insurance we'll cover protects your physical assets from unforeseen circumstances like theft and fire. That includes your physical building, but also raw materials you are yet to process, machines you use in production, onsite lab facilities, and inventory.
  • General Liability: This type of pet food manufacturers insurance protects your company from the financial fallout of third party property damage or physical injury claims, for instance in the event that a third party servicing your manufacturing equipment is injured onsite.
  • Product Liability: This next kind of liability insurance covers cases of third party injury or property damage claims if harm occurs as a result of using your product. An example you would certainly do your best to avoid would be a dog and the family owning it contracting a bacterial infection because of your food.
  • Workers' Compensation: In almost any business, workers can become physically injured on the job. Pet food manufacture is no exception. Should this scenario come to pass, workers comp insurance covers the worker's medical expenses and lost wages as they recover.

These are merely examples of the kinds of pet food manufacturers insurance needed. Partner with a business insurance agent who understands your field to discover more about your unique needs.

Pet Food Manufacturing's Risks & Exposures


Premises liability exposure is high because of the explosion potential of some ingredients, particularly grains. Visitors on tours or independent contract farmers and slaughterhouses delivering raw materials to the plant may be injured by slips, trips, or falls, or may be exposed to toxic or caustic chemicals.

Toxins released in a fire or fumes, spills or leaks from chemical tanks may cause serious injury or property damage to neighboring properties. If there is a railroad sidetrack or dock, an employee must verify that no one is in the path of an incoming or outgoing train.

Railroad tracks, large storage bins, and conveyors can be attractive nuisances. The premises should be enclosed by fencing with "No Trespassing" signs posted.

Product liability exposure is moderate to high since spoilage or contamination, whether by pests, bacteria, or chemicals, may cause illness or death to a large number of pets. Quality control at all phases of the operation from product development to packaging is critical. Significant injuries or damage may follow from improper mixing of ingredients, improper storage, during transport or even inappropriate packaging and labeling.

Environmental impairment exposure is moderate. Waste from animal by-products may develop bacterial contaminants that could affect air, surface or ground water, or soil. Processes may cause thermal or noise pollution. Disposal procedures must adhere to all EPA and other regulatory standards.

Workers compensation exposures can be moderate to high. Injuries from production machinery are common, as are burns, cuts, slips, trips, falls, hearing loss from machinery noise, and back injuries from lifting. Chemicals and dust can irritate eyes and lungs, and result in respiratory illness.

Repetitive motion injuries can result from the ongoing use of machinery. Workers may fall into storage bins and suffocate. Employees should be provided with safety training, protective equipment, and guards on machines.

Workers must be made aware of the potential side effects of the ingredients they work with, including long-term occupational disease hazards, so they can be aware of warning symptoms and obtain treatment as early as possible. Drivers of forklifts and vehicles may be injured in accidents.

Property exposure consists of an office, plant, and warehousing for raw materials and finished goods. There may be large storage bins or conveyor systems to transport and feed ingredients into processing equipment. Ignition sources include electrical wiring, heating and cooling equipment, and production machinery, which may overheat or exceed the capabilities of electrical wiring.

Flammable lubricants and cleaning agents should be stored away from combustibles. An explosion may arise when grain dust generated during handling, and especially milling, is ignited by sparks from conveyor systems, or when stored grain becomes wet. This hazard increases in the absence of well-maintained dust collection systems.

Raw ingredients and finished pet food products are susceptible to damage by fire, moisture, pests, and smoke.

Equipment breakdown exposures include breakdown losses to the processing systems, electrical control panels, refrigeration equipment used to store meat and by-products, and other apparatus. Breakdown and loss of use of the production or refrigeration machinery could result in a significant loss, both direct and indirect, such as time element.

Crime exposures are chiefly from employee dishonesty and theft of money and securities. Employees may act alone or in collusion with outsiders in stealing money, trade secrets, 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.

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 as well as testing, quality control results, and proprietary formulas.

Goods in transit may be damaged by fire, theft, collision and overturn, spillage, contamination, or spoilage due to the breakdown of refrigeration units.

Commercial auto exposure may be high if the manufacturer transports raw materials or finished products. Manufacturers generally have private passenger fleets used by sales representatives. There should be written procedures regarding the private use of these vehicles by others.

Each driver should have an appropriate license and an acceptable MVR. All vehicles must be well maintained with documentation kept in a central location. Refrigerated trucks may be required to transport products that are sensitive to changes in temperature.

Commercial Insurance And Business Industry Classification

Description for 2047: Dog And Cat Food

Division D: Manufacturing | Major Group 20: Food And Kindred Products | Industry Group 204: Grain Mill Products

2047 Dog And Cat Food: Establishments primarily engaged in manufacturing dog and cat food from cereal, meat, and other ingredients. These preparations may be canned, frozen, or dry. Establishments primarily engaged in manufacturing feed for animals other than dogs and cats are classified in Industry 2048.

  • Cat food
  • Dog food

Description for 2048: Prepared Feeds And Feed Ingredients For Animals And Fowls, Except Dogs And Cats

Division D: Manufacturing | Major Group 20: Food And Kindred Products | Industry Group 204: Grain Mill Products

2048 Prepared Feeds And Feed Ingredients For Animals And Fowls, Except Dogs And Cats: Establishments primarily engaged in manufacturing prepared feeds and feed ingredients and adjuncts for animals and fowls, except dogs and cats. Included in this industry are poultry and livestock feed and feed ingredients, such as alfalfa meal, feed supplements, and feed concentrates and feed premixes. Also included are establishments primarily engaged in slaughtering animals for animal feed. Establishments primarily engaged in slaughtering animals for human consumption are classified in Industry Group 201. Establishments primarily engaged in manufacturing dog and cat foods are classified in Industry 2047.

  • Alfalfa, cubed
  • Alfalfa, prepared as feed for animals
  • Animal feeds, prepared: except dog and cat
  • Bird food, prepared
  • Buttermilk emulsion for animal food
  • Chicken feeds, prepared
  • Citrus seed meal
  • Earthworm food and bedding
  • Feed concentrates
  • Feed premixes
  • Feed supplements
  • Feeds, prepared (including mineral): for animals and fowls-except
  • Feeds, specialty: mice, guinea pigs, minks, etc.
  • Fish food
  • Hay, cubed
  • Horsemeat, except for human consumption
  • Kelp meal and pellets
  • Livestock feeds, supplements, and concentrates
  • Meal, bone: prepared as feed for animals and fowls
  • Mineral feed supplements
  • Oats: crimped, pulverized, and rolled: except breakfast food
  • Oyster shells, ground: used as feed for animals and fowls
  • Pet food, except dog and cat: canned, frozen, and dry
  • Poultry feeds, supplements, and concentrates
  • Shell crushing for feed
  • Slaughtering of animals, except for human consumption
  • Stock feeds, dry

Pet Food Manufacturers Insurance - The Bottom Line

Pet food manufacturers insurance policies differ in cost and coverage. You can see if your manufacturing business has the best fit insurance policies by talking 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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