Textile Manufacturers Insurance Policy Information
Textile Manufacturers Insurance. The textile industry is a complex one that comprises a multitude of different aspects - from spinning and weaving, finishing fibers to dying, embroidery, and printing - either natural or synthetic.
The manufacture of garments and a wide range of other textile products, such as awnings, upholstery, fabric backpacks, and bedding can be considered the final stage in the process.
Within this colossal industry - valued, globally, at over 961 billion US dollars in 2019 - both small and large businesses can thrive. To be able to prosper, however, textile manufacturers have to be fully aware of the many perils that could devastate their financial health, as well as take the right steps to be fully insured against them.
Are you curious what types of textile manufacturers insurance are needed, or are you investigating your insurance requirements as you put together a business plan for a company you are hoping to start? This brief guide will point you in the right direction.
Textile 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 textile manufacturing insurance questions:
- How Much Does Textile Manufacturers Insurance Cost?
- Why Do Textile Manufacturers Need Insurance?
- What Type Of Insurance Do Textile Manufacturers Need?
How Much Does Textile Manufacturers Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small textile manufacturing businesses ranges from $57 to $79 per month based on location, size, revenue, claims history and more.
Why Do Textile Manufacturers Need Insurance?
Knowing that a company has the insurance coverage that could keep it safe should unforeseen circumstances threaten it offers peace of mind, allowing business owners and managers to focus on what they do best - running a smooth operation and working to expand their business.
The simple fact is, after all, that any commercial venture can be impacted by catastrophes, often without warning.
Acts of nature, which would include such disastrous events as earthquakes or hurricanes, but also smaller-scale wildfires or floods, could force you to stop production by severely damaging your facility. Vandalism and theft should also be on your radar.
Situations more specific to the textile industry would include workplace injury; in textile manufacture, workers are vulnerable to inhaling textile dust and chemicals, for example. Fires, which can be accidental as well as intentionally set or the result of negligence, are another serious threat in the textile industry.
These and many other risks cannot always be prevented - but business in this industry can do the next best thing, and prepare for them by investing in the right textile manufacturers insurance coverage.
What Type Of Insurance Do Textile Manufacturers Need?
Whether a company focuses on making athletic gear or produces curtains or any other finished textile product, some types of insurance are essential in protecting its financial health.
Other types of coverage may or may not be required, depending on the jurisdiction in which your manufacturing facility is based, the terrain, the equipment you use, and your number of workers, among other factors.
A commercial insurance agent who understands the textile industry can hep you build your ideal insurance coverage. However, the types of textile manufacturers insurance needed include:
- Commercial Property: This essential kind of textile manufacturers insurance protects you from financial losses resulting from circumstances beyond your control, such as fires and theft. It covers your real estate as well as other physical assets, ranging from your inventory to your equipment.
- General Liability: In the event that third parties sustain an injury on your premises, something that could result from an event as simple as a fall on a slippery floor, they may hold your company responsible. The same holds true if your activities cause damage to third party properties; for instance, if a fire in your facility spreads to a neighboring company. Legal expenses and settlement fees fall under general liability insurance for companies.
- Workers Compensation: Required for nearly all companies, this kind of insurance covers your employees' medical expenses and lost wages while recovering, should they become injured in the workplace in circumstances for which the company is considered responsible.
Textile manufacturers that produce products that could potentially cause injury or property damage as a result of manufacturing errors or other harms for which the company might be held liable will further need product liability insurance. The manufacture of hammocks could be one example.
However, textile manufacturers should be aware that their insurance needs are as unique as their business, and you may well require additional forms of insurance, ranging from commercial auto to inland marine and even commercial umbrella insurance to cover situations that your regular insurance does not.
A competent commercial insurance agent can help you get the textile manufacturers insurance coverage that ultimately offers the best protection.
Textile Manufacturing's Risks & Exposures
Premises liability exposure is limited due to controlled access of visitors. If the manufacturer has a showroom or offers tours, visitors may be injured by slips, trips, or falls. Chemicals used in the coating and finishing may be corrosive and/or toxic.
Fire, fumes, spills or leaks may cause serious injury or property damage to neighboring premises.
Products liability exposure is low to moderate depending on the end use of the goods. If goods are used to produce infants' or children's wear, all standards of flammability must be met. Warranties for fire resistive, hypoallergenic, sterile, or waterproof items can result in losses if the products fail to perform.
Environmental impairment exposure is very high due to the use of corrosive and/or toxic chemicals during processing. Fumes and improper disposal of scrap can result in air, ground, or water contamination. Disposal procedures must adhere to all EPA and other regulatory standards.
Workers compensation exposure is very high due to the chemicals used in coating and finishing fabrics and fibers. Many are toxic and special controls are needed. Skin and eye irritations are common, and continued exposure can result in serious lung and respiratory problems.
Injuries from production machinery are common, as are burns, cuts, slips, trips, falls, foreign objects in the eye, hearing loss from machinery noise, overheating and exhaustion in high temperatures, and back injuries from lifting. 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. The high volume required for production schedules may lead workers to remove guards on the machinery, or to postpone maintenance and repair.
Repetitive motion injuries can result from ongoing use of machinery. Workstations should be ergonomically designed.
Property exposures consist of an office, production plant, and warehouse for raw materials or finished goods. Ignition sources include electrical wiring, heating systems, and production machinery. Chemicals used in fabric dyeing or coating are often flammable and should be properly labeled, separated, and stored in approved containers.
Dust from some fabrics and from many coatings may present an explosion hazard. These hazards may be severe unless there are dust collection systems that are well maintained. Fabrics and coatings are often highly combustible, especially if poorly stored without adequate aisle space and shelving.
Some fabrics, such as silk, are subject to damage by water, moisture, or smoke. Minor fires may result in major inventory losses. Poor housekeeping, such as failure to collect and dispose of scraps on a regular basis, could contribute significantly to a loss.
Unless disposed of properly, greasy, oily rags (such as those used to clean the machinery) can cause a fire without a separate ignition source. Sprinklers may be advisable.
Appropriate security controls must be taken including 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.
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.
Crime exposure comes from employee dishonesty and theft of expensive materials such as silk or designer brands. 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 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. Goods in transit may be damaged by fire, collision, overturn, theft, and water damage.
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.
Drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained with documentation kept in a central location.
If the chemicals used to finish and coat fabrics are transported by the manufacturer in tanker trucks, drivers of these vehicles must have a Hazardous Material Endorsement on his or her Commercial Driver Licenses and be trained to contain spills.
Commercial Insurance And Business Industry Classification
- SIC CODE: 2295 Coated Fabrics, Not Rubberized, 2296 Tire Cord And Fabrics, 2297 Non-Woven Fabrics, 2298 Cordage And Twine, 2299 Textile Goods, Not Elsewhere Classified
- NAICS CODE: 313110 Fiber, Yarn and Thread Mills, 313210 Broadwoven Fabric Mills, 313220 Narrow Fabric Mills and Schiffli Machine Embroidery, 313230 Nonwoven Fabric Mills, 313240 Knit Fabric Mills, 313310 Textile and Fabric Finishing Mills, 313320 Fabric Coating Mills, 313230 Nonwoven Fabric Mills, 314120 Curtain and Linen Mills, 314994 Rope, Cordage, Twine, Tire Cord, and Tire Fabric Mills, 314999 All Other Miscellaneous Textile Product Mills
- Suggested ISO General Liability Code(s): 59722, 59723, 59724, 59725, 59726
- Suggested Workers Compensation Code(s): 2211, 2220, 2286, 2288, 2300, 2305, 2380, 2386, 2413, 2416, 2417, 2420
Description for 2295: Coated Fabrics, Not Rubberized
Division D: Manufacturing | Major Group 22: Textile Mill Products | Industry Group 229: Miscellaneous Textile Goods
2295 Coated Fabrics, Not Rubberized: Establishments primarily engaged in manufacturing coated, impregnated, or laminated textiles, and in the special finishing of textiles, such as varnishing and waxing. Establishments primarily engaged in rubberizing purchased fabrics are classified in Industry 3069, and those engaged in dyeing and finishing textiles are classified in Industry Group 226 or Industry 2231.
- Buckram: varnished, waxed, and impregnated
- Cambric: varnished, waxed, and impregnated
- Cloth, varnished glass
- Coating and impregnating of fabrics, except rubberizing
- Fabrics, coated and impregnated: except rubberized
- Laminating of fabrics
- Leather, artificial or imitation
- Mats, varnished glass
- Metallizing of fabrics
- Plastics coated fabrics
- Pyroxylin coated fabrics
- Resin coated fabrics
- Sealing or insulating tape for pipe, fiberglass coated with tar or
- Sleeving, textile: saturated
- Tape, varnished: plastics and other coated: except magnetic-mfpm
- Tubing, textile: varnished
- Waxing of cloth
- Yarns, plastics coated: made from purchased yarns
Description for 2296: Tire Cord And Fabrics
Division D: Manufacturing | Major Group 22: Textile Mill Products | Industry Group 229: Miscellaneous Textile Goods
2296 Tire Cord And Fabrics: Establishments primarily engaged in manufacturing cord and fabric of manmade fibers, cotton, glass, steel, or other materials for use in reinforcing rubber tires, industrial belting, fuel cells, and similar uses.
- Cord for reinforcing rubber tires, industrial belting, and fuel cells
- Fabrics for reinforcing rubber tires, industrial belting, and fuel cells
- Glass tire cord and tire cord fabrics
- Steel tire cord and tire cord fabrics
Description for 2297: Non-Woven Fabrics
Division D: Manufacturing | Major Group 22: Textile Mill Products | Industry Group 229: Miscellaneous Textile Goods
2297 Non-Woven Fabrics: Establishments primarily engaged in manufacturing non-woven fabrics (by bonding and/or interlocking of fibers) by mechanical, chemical, thermal or solvent means, or by combinations thereof. Establishments primarily engaged in producing woven felts are classified in Industry 2231; and those producing other felts are classified in Industry 2299.
- Bonded-fiber fabrics, except felt
- Fabrics, bonded fiber: except felt
- Fabrics, non-woven: except felts
- Ribbon, non-woven (yarn bonded by plastics)
- Spunbonded fabrics
Description for 2298: Cordage And Twine
2298 Cordage And Twine: Establishments primarily engaged in manufacturing rope, cable, cordage, twine, and related products from abaca (Manila), sisal, henequen, hemp, cotton, paper, jute, flax, manmade fibers including glass, and other fibers.
- Binder and baler twine
- Blasting mats, rope
- Cable, fiber
- Camouflage nets, not made in weaving mills
- Cargo nets (cordage)
- Cord, braided
- Cordage: abaca (Manila), sisal, henequen, hemp, jute, and other
- Fish nets and seines, made in cordage or twine mills
- Fishing lines, nets, seines: made in cordage or twine mills
- Hard fiber cordage and twine
- Insulator pads, cordage
- Nets, rope
- Rope, except asbestos and wire
- Slings, rope
- Soft fiber cordage and twine
- Trawl twine
- Wire rope centers
Description for 2299: Textile Goods, Not Elsewhere Classified
2299 Textile Goods, Not Elsewhere Classified: Establishments primarily engaged in manufacturing textile goods, not elsewhere classified, including linen goods, jute goods, felt goods, padding and upholstery filling and processed waste and recovered fibers and flock. Establishments primarily engaged in processing textile fibers to prepare them for spinning, such as wool scouring and carbonizing and combing and converting tow to top, are also classified here. Establishments primarily engaged in manufacturing woven wool felts and wool haircloth are classified in Industry 2231, and those manufacturing needle punch carpeting are classified in Industry 2273 . Establishments primarily engaged in manufacturing embroideries are classified in Industry Group 239. Establishments primarily engaged in manufacturing lace goods are classified in Industry 2258. Establishments primarily engaged in sorting wiping rags or waste are classified in Wholesale Trade, Industry 5093.
- Apparel filling: cotton mill waste, kapok, and related materials
- Bagging, jute: made in jute weaving mills
- Batts and batting cotton mill waste, kapok, and related materials
- Burlap, jute
- Carbonized rags
- Coir yarns and roving
- Crash, linen
- Fabrics: linen, jute, hemp, ramie
- Felt goods, except woven felts and hats: wool, hair, jute, or other
- Felts, pressed or needle loom
- Fibers, textile: recovery from textile mill waste and rags
- Flax yarns and roving
- Flock (recovered textile fibers)
- Garnetting of textile waste and rags
- Grease, wool
- Hair, curled: for upholstery, pillow, and quilt filling
- Handwoven fabrics
- Hemp yarn, thread, roving, and textiles
- Linings, carpet: felt except woven
- Mats, felt: except woven
- Narrow woven fabrics: linen, jute, hemp, and ramie
- Noils, wool and mohair
- Packing, twisted jute
- Padding and wadding, textile
- Pads and padding, felt: except woven
- Pads, fiber: henequen, sisal, istle
- Pillow filling: curled hair (e.g., cotton waste, moss, hemp tow,
- Pipe and boiler covering, felt
- Polishing felts, except woven
- Preparing textile fibers for spinning (scouring and combing)
- Pressed felts
- Processing of textile mill waste and recovering fibers
- Punched felts
- Quilt filling: curled hair (e.g., cotton waste, moss, hemp tow, kapok)
- Ramie yarn, thread, roving, and textiles
- Rayon tops, combing and converting
- Recovering textile fibers from clippings and rags
- Roves, flax and jute
- Rug backing, jute or other fiber
- Slubs and nubs (cutting up fibers for use in tweeds)
- Textile mills: linen, jute, hemp, and ramie yarn, thread, and fabrics
- Thread: linen, hemp, and ramie
- Tops, combing and converting
- Tops, manmade fiber
- Tow to top mills
- Towels and towelings, linen and linen-and-cotton mixtures-mitse
- Trimming felts, except woven
- Upholstery filling, textile
- Wads and wadding, textile
- Webbing, jute
- Wool felts, pressed or needle loom
- Wool scouring and carbonizing
- Wool shoddy
- Wool tops, combing and converting
- Wool waste processing
- Yarn, specialty and novelty
- Yarn: flax, jute, hemp, and ramie
- Yarn: metallic, ceramic, or paper fibers
Textile Manufacturers Insurance - The Bottom Line
Textile manufacturers insurance policies can differ a lot in coverage, costs and exclusions. To discover if your textile manufacturing firm has the best fit insurance policies for your operations - talk 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.
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 Insurance||What 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 Insurance||What 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 Insurance||What 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 Insurance||What 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 Insurance||What 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 Policies||What 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 Insurance||What 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 Bond||What 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
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.
- Audio & Video Equipment
- Auto Parts
- Brooms & Brushes
- Camping Equipment
- Canned Fruit & Vegetables
- Canvas Products
- CBD Oil And Hemp
- Clock & Watch
- Commercial Air Conditioning
- Commercial Electronics
- Communications Equipment
- Construction Equipment
- Cork Products
- Down And Feather Products
- Dry Ice
- Dyes & Pigments
- Electronic Toys & Games
- Exercise Equipment
- Farm Equipment
- Feed & Grain
- Fur Garment
- Garage Door
- Gypsum Products
- Iron & Steel Foundries
- Lawn Mowers
- Leather Apparel
- Lighting & Wiring
- Lumber & Wood Products
- Machine Shop
- Major Electrical Appliances
- Marijuana Products
- Mattresses & Box Springs
- Metal & Plastic Furniture
- Metal Heat Treating
- Metal Toys
- Musical Instruments
- Nonferrous Foundries
- Ornamental Metalwork
- Paper & Allied Products
- Pet Food
- Plastic & Rubber Toys
- Plastic Goods
- Plastics Molding, Forming & Extruding
- Product Liability
- Pulp & Paper Mills
- Residential Air Conditioning & Heating
- Rubber Goods
- Sawmills & Planing Mills
- Screw Machine Products
- Sheet Metal
- Soap & Detergent
- Small Electrical Appliances
- Sporting Goods
- Stone Products
- Textiles Finishing & Coating
- Tool & Die Shops
- Vending Machines
- Wire Rope
- Wood Furniture
- Writing Instruments
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.