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These establishments are engaged in embroidering textile fabrics. They receive materials, such as cloth and yarns, from other sources and use automatic machines to complete the embroidery. Embroidery operations pack and ship the embroidered fabrics or fabric-based products to their recipients.

General Liability Insurance for Embroidery Operations – Embroidery operations should reduce slip and fall hazards by keeping their business clean, clutter free, and free of flooring defects. Countertops should be sturdy and in good condition with no protruding nails or screws that could potentially injure customers. Parking lots should be maintained and uneven surfaces should be marked with yellow paint.

Workers’ Compensation Insurance for Embroidery Operations – Employees of embroidery operations may be injured from the use of sewing machines, scissors, or needles, for example. On the job training should be provided to ensure employee safety. Work areas should also be neat and free of clutter in order to prevent trip and fall hazards to employees.

Business Auto Insurance for Embroidery Operations – Business auto risks for embroidery operations should be low because most customers travel to the business premises. However, employees may occasionally drive to run errands to places such as the bank or post office. Risks can be reduced if MVRs are verified for all employees.

Property Insurance for Embroidery Operations – Fire is a risk for embroidery operations. Sewing machines and any electrical equipment can cause a fire if not maintained, not repaired, or if they short circuit. Regular inspection and maintenance should be scheduled per manufacturers instructions. The fire load is also significant for embroidery operations due to the potential amount of clothing and material on site. Fire extinguishing systems should be in place as a result.

Crime Insurance for Embroidery Operations – Dishonest employees may steal money and securities from the embroidery operation. All incoming checks should be stamped “for deposit only” and internal audits should be conducted often. Cash registers should be located away from the entrances and the amount of cash kept in the registers should be limited.