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Candy and other confectionary products are produced and packaged by these manufacturers. This may include chocolates, granola bars, marshmallows, licorice, nuts, popcorn balls, candied fruits and cake ornaments. They may use automated, mass-production equipment to manufacture and wrap candy and/or confections or complete candy production and packaging duties by hand. Products are then shipped to candy distributors and retailers.

General Liability Insurance for Candy & Confectionary Products Manufacturing – Premises liability risks are greatly increased if tours are conducted on site or retail stores are located on the premises. Experienced employees should conduct tours and visitor access should be restricted from production areas of to ensure those areas remain sanitary. All areas accessible to the public at candy and confectionary products manufactures should remain clean at all times and have no slip and fall hazards. Any wet spots or spills should be cleaned up immediately. On site retail stores should be well organized and clean with clear doorways and walkways. Candy should be displayed so it is easy to reach by customers and shelving should be sturdy. Shipping and receiving areas should be safe and clearly marked in order to prevent injury to outside delivery workers. Products liability risks are always a concern with food products due to contamination and spoilage potential. Product recalls can result in extensive losses and claims. Manufacturing equipment and machinery must be properly cleaned and sanitized on a regular basis and proper hygiene should be required of all employees. Products should be periodically inspected prior to distribution. Ingredients should be dated and rotated in order to maintain freshness and prevent spoilage. Candy and confectionary products should be properly labeled according to FDA regulations. Finished products should be stored away from the candy operations. 

Workers’ Compensation Insurance for Candy & Confectionary Products Manufacturing –
Employees should be properly trained to operate the machinery and equipment used in manufacturing candy and confectionary products. Safety training should also be provided to prevent employee injury. Machinery should be inspected regularly and remain in proper working order. Employees may be burned while using ovens or melting devices. Training should be provided for any lifting equipment used. Employees who manually lift heavy objects should use safety gear such as back braces and steel toe boots. Shipping and receiving areas should be organized and safe in order to prevent employee injury.

Business Auto Insurance for Candy & Confectionary Products Manufacturing – Business auto liability risks increase with the number of vehicles used for delivery at candy and confectionary product manufacturing plants. The frequency of deliveries made will also affect auto liability. Vehicles should be in good condition and work properly at all times. Regular service records are required for all company vehicles. Drivers should be pre-screened and have acceptable driving records. If commercial drivers licenses are required to operate the delivery vehicles, then random drug tests must also be performed. MVRs should be run regularly for all drivers. Driving privileges should be removed from anyone whose driving record becomes unacceptable.

Property Insurance for Candy & Confectionary Products Manufacturing – Fire may result in a total loss of all food products at candy and confectionary products manufacturing plants. In order to prevent fire losses, cooking machinery and equipment should all be in working order and inspected often. The fuel-operated cooking systems and the heat that results from cooking will increase the risk of fire. Items that contribute to the fire load include packaging and wrapping materials in addition to the raw materials used for making candy and confectionary products. Fire detectors and suppression systems, such as automatic sprinkler systems, should be in place. Firewalls within the building will help reduce the potential of a total loss due to fire. Finished products should be stored away from cooking operations, preferably in separate buildings. Business Interruption may occur in the event of a fire. Raw materials should be fairly easy to replace, but the cooking equipment and machinery can be very costly and difficult to replace. If a retail store is located on site, then business may be largely affected if the manufacturer chooses to relocate. Business may also be interrupted if the manufacturer depends heavily on computerized equipment and the computer systems fail. It is critical that off premises copies be maintained for all customer files and incoming and outgoing shipping records. In addition, off premises computer backups should be maintained on a daily basis for software and data on all computer servers including email and web servers. The backup systems should be regularly tested to make sure that they are working properly. As a result, Loss of Use coverage may be necessary. Inland Marine claims may result from damage to goods in transit. Food products may be contaminated in the event of an accident.

Boiler and Machinery Insurance for Candy & Confectionary Products Manufacturing – Boiler and Machinery claims may occur if boiler systems are not maintained at candy and confectionary products manufacturing plants. Boiler operators should be properly trained to use the equipment and the equipment should be equipped with safety features like fuel shut-off valves.

Crime Insurance for Candy & Confectionary Products Manufacturing – Finished products at candy and confectionary products manufacturing plants should be stored in a secured and locked location. Employee theft may be a concern and surveillance cameras should be used as a result. Inventory should be monitored and counted often. The potential for theft of money and securities by outsiders is low unless a retail store is operated on location. Checkbooks should not be left in the open but should instead be stored in locked drawers or cabinets. Cash flow should be closely monitored and bank deposits should be made daily.