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These companies manufacture audio and video entertainment equipment for use in households and automobiles. CD, DVD and VHS players; automobile CD players and speaker systems; televisions; speakers; video recorders; radios; musical instrument amplifiers and photographic equipment are created by these manufacturers. They may subcontract out some product assembly phases to other manufacturers who specialize in a particular service, such as making plasma television screens.

General Liability Insurance for Audio, Video & Photographic Equipment Manufacturing – The primary premises liability risks for audio, video, and photographic equipment manufacturers will consist of slips/trips/falls, toppling merchandise, and injury during product demonstrations. The types of visitors subject to injury include truck drivers waiting for their cargo to be unloaded, salesmen, retail buyers, and buyers from the general public. Risk factors will be increased if there is a retail or product demonstration area. Shipping and receiving areas must be safe and well maintained in order to prevent injury to drivers from outside delivery and transport companies. All products should be properly inspected prior to delivery in order to prevent defective products and/or faulty wiring. Instructions should be provided for proper use of each product in addition to the placement of adequate warning labels. Choking hazards are a concern with small parts used in manufacturing electronic equipment. Environmental hazards are a concern when using toxic chemicals to manufacture audio, video and photographic equipment. Employees should be trained to properly use the chemical products. Proper storage and disposal is also required.

Workers’ Compensation Insurance for Audio, Video & Photographic Equipment Manufacturing – Audio, video, and photographic equipment manufacturers can reduce injuries due to electrical shocks by updating aged machinery and wiring, regular inspection and maintenance, and by using only qualified electricians. Safety training should be provided to employees for the proper use of all machinery and equipment. Employees should be required to wear protective equipment in order to prevent eye injury and skin irritations. Training should also be provided for the proper handling and usage of toxic chemicals. Machinery should have automatic shut offs and provide safe guards in order to prevent injury. Employee safety should never be sacrificed in order to increase production.

Business Auto Insurance for Audio, Video & Photographic Equipment Manufacturing – Manufacturers that hire outside companies to deliver raw materials and ship their finished products will have much lower risks of business auto liability. Audio, video and photographic equipment manufacturers that employ their own drivers should screen all drivers and verify they have good driving records. Commercial drivers licenses may be required and random drug testing will be necessary. MVRs should be run regularly to ensure safe driving. Risk factors include shifting loads on vehicles, young drivers, bad weather, poor road conditions, nighttime travel, and fatigued drivers. Auto risks also increase for owned vehicles with heavier gross vehicle weights and when the radius of travel exceeds 50 miles. Vehicles should be serviced on a regular basis and work properly at all times. Audio, video and photographic products are popular items and may attract thieves. Delivery vehicles should be unmarked and monitored with alarms in order to prevent theft.

Property Insurance for Audio, Video & Photographic Equipment Manufacturing – Any flammable chemicals or materials used in audio, video, and photographic manufacturing will increase the risk of fire. Flammable products should be properly used and stored to reduce the risk of fire. Packing areas and materials should be separated from other operations either by firewalls or the use of separate buildings. Audio, video, and photographic equipment are susceptible smoke, water, or fire damage. Suppression systems should be designed to prevent additional damage from occurring in the event of a fire. A sterile location may be necessary in order to prevent corruption to the equipment by dust or static. The use of spray booths is required of any spray-painting operations.  The equipment should be packaged well in order to prevent damage while being transported and reduce Inland Marine claims. Boiler and machinery claims could result if computerized machinery or electrical systems fail. Production would be interrupted and could result in extensive claims. Computers systems and electrical controlling systems should be inspected on a regular basis and backup systems should be in place.

Crime Insurance for Audio, Video & Photographic Equipment Manufacturing – Audio, video, and photographic products can be very popular and valuable. Employee theft is a major concern as a result. The small size of the equipment makes the products easier to steal. Storage areas at audio, video and photographic equipment manufactures that contain finished products awaiting delivery are target areas for employee theft. These areas should be monitored with surveillance cameras and remain locked at all times. Inventory counts should be performed often and without warning. Employees who have the authority to deposit and withdraw funds should be required to take a one-week vacation each year.