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Household or commerical electrical appliances are manufactured by these companies. This may include dishwashers, stoves, ovens, washers and dryers. Manufacturers may be separated into divisions, each of which is responsible for one phase of appliance manufacturing. Some manufacturers subcontract out the early stages of appliance assembly and complete the final stage themselves. The equipments' exteriors are typically constructed of wood, metal or plastic with all electronic circuitry located inside.

General Liability Insurance for Appliances & Accessories Manufacturing – Premises liability risks are increased if visitors are allowed on site. If the appliances and accessories manufacturer has an outlet store on the premises, then premises liability risks are even greater. Care must be taken for appliances to be secured and carefully displayed in order to prevent toppling merchandise. All areas that are accessible to the public should be clean and free of trip and fall hazards. All stairs should have skid resistant surfaces, sturdy handrails, and should be constructed to code. Outside areas such as parking lots, sidewalks, and other walkways should be well lit and free of defects such as holes, cracks, trash and any uneven surfaces should be marked with yellow paint. Products liability risks depend on the type of appliances made. Electrical appliances have a potential to injure consumers due to shock or electrocution. Dishwashers and washing machines could cause water damage to the property of consumers. Some appliances have moving parts that could result in serious injury if not used properly. Appliances should be inspected prior to leaving the manufacturer in order to prevent faulty wiring and defects. Warning labels are not likely to prevent all accidents, but it is necessary to include them on all manufactured appliances as a safety precaution. Contaminants used in manufacturing appliances and accessories can be hazardous to the environment. Detailed training should be provided for the proper use and disposal of such hazardous chemicals.

Workers’ Compensation Insurance for Appliances & Accessories Manufacturing –Machinery should be equipped with automatic shut offs to reduce the extent of injuries. Machinery should also be inspected and serviced often. Employees involved in appliances and accessories manufacturing should be required to wear appropriate protective gear, such as safety goggles, at all times. Repetitive motion injuries can be prevented by the redesign of work processes, taking planned breaks, and rotating workers to different parts of the production line. The use of toxic chemicals is another danger to employees. Training should be provided for proper handling of such products and eye-washing stations should be readily available. Employees who are involved in heavy lifting should be trained on proper lifting techniques and should be required to wear back braces and steel toe shoes.

Business Auto Insurance for Appliances & Accessories Manufacturing – Business auto liability risks are greatly increased if appliances and accessories manufacturers pick up raw materials or delivers products to other plants and distribution centers. If this is the case, a fleet of larger vehicles such as trucks and tractor-trailers will be present. On the other hand, some appliance and accessories manufacturers will rely on the supplier to deliver the incoming shipments and will subcontract out the customer deliveries to contract carriers or common carriers. Any driver carrying toxic chemicals should be trained to safely handle and transport such materials. Manufacturers should have a driver screening and training program in place. Drivers must have acceptable driving records and their MVRs must be checked every year. If a driver’s record becomes unacceptable, the manufacturer should take corrective action accordingly in order to reduce automobile liability. All company vehicles should be inspected and serviced regularly. Vehicles should be in good working order at all times. To avoid damage to vehicles by potential thieves, delivery vehicles should be equipped with alarms and remain inconspicuous.

Property Insurance for Appliances & Accessories Manufacturing – Combustible materials are often used in appliances and accessories manufacturing appliances that include paints, oils, solvents, and degreasers. Employees should be specifically trained to properly use, store, and dispose of these materials. Operations such as welding, soldering, and spray painting increase the risk of fire. Individual spray booths must be used for spray painting and should be separated from other operations. Packaging materials contribute to the fire load and should be separated from other operations as well. The construction of firewalls within the building or the separation of storage and different operations into multiple buildings will help reduce the likelihood of a total loss in the event of a fire. Smoke detectors and fire suppression systems should be in place. Appliances should be packaged well in order to prevent Inland Marine claims due to damage while in transit. Delivery trucks should not be left unattended and should be equipped with alarms in order to prevent theft. In the event that a break down occurs to the electrical or computer-controlled equipment, substantial losses may result. Backup systems should be in place in order to prevent loss of use of such equipment.

Crime Insurance for Appliances & Accessories Manufacturing – Due to the size and weight of larger appliances, employee theft is more likely to occur with smaller appliances. Storage for appliances and accessories manufacturing areas that house finished products should be locked and monitored. Inventory should be audited regularly. If outlet stores or showrooms are present, then crime risks will be increased. Pre-employment hiring screening should include reference and background checks. Checkbooks and any cash on hand should be secured in locked drawers or safes. Employees who handle the ordering operations should be separate from employees who handle the accounting procedures.