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Bakery Manufacturing Insurance

The bakery manufacturing industry can be quite demanding. It’s a constant challenge to deliver exceptional goods while maintaining profitability. These challenges are magnified when you consider the need to balance risks related to property damage, premises liability, equipment breakdowns, crime and spoilage exposures.

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Bakery Manufacturing Insurance Services

We Make Sure You Are Covered and Prepared.

Our capabilities range from securing basic insurance coverage to implementing workplace safety plans. This includes, but is not limited to, the following services:

  • Build health and safety programs that address:
    • Equipment/machine operations and guarding
    • Electrical safety and lockout tagout
    • Hazard communication
    • Globally harmonized systems
    • Housekeeping and combustible dust
    • Ergonomics
    • Soft tissue injury prevention
  • Provide crucial mandatory training for employees, which includes but is not limited to:
    • Powered industrial truck, scissor and aerial lift training and certification
    • Authorized, affected and other lockout/tagout application training
    • First-aid, CPR & AED training and certification for key company personnel
    • Routine training sessions for managers, supervisors and leads to ensure facility safety and employee work practices are compliant with applicable OSHA standards and company directions
  • Develop plans to address the different forms of liability exposure dealing with your premises and your products.
  • Create safety observations and audits, using a software that provides statistical probability of accidents and injuries.
  • Conduct documented accident and injury investigations and offer recommendations for preventing similar cases in the future.
  • Develop and execute an Accident Review Board.
  • Evaluate industrial hygiene activities to ensure compliance with OSHA standards, specifically reviewing:
    • Hazardous and toxic substances
    • Respiratory protection regulations
    • Hearing conservation standards
    • General personal protective equipment (PPE) requirement

Frequently Asked Questions About Bakery Manufacturing Insurance


Q. What are the main insurance-related risks for food and beverage manufacturers?

A. Based on our experience on the field and the most common OSHA citations, food and beverage manufacturers are at risk for the following situations:

  • Liquor liability exposure
  • Product spoilage, contamination or tampering
  • Falling object hazards
  • Injuries from working on dangerous equipment
  • Lack of quality assurance/quality control
  • Machine malfunctions
  • Factory fires
  • Providing a lack of Personal Protective Equipment (PPE)
  • Poor management of highly hazardous chemicals
  • Poor hazard communication


Q. Are there particular factors to consider when evaluating Bakery Manufacturing Insurance options?

A. There are specific risks that tortilla manufacturers face on a daily basis, including:

  • Fires – Fire caused by malfunctioning electrical equipment or carelessness can spread quickly between fuel sources, putting your property and any equipment, materials or supplies at risk.
  • Equipment Breakdown – Bakery manufacturers depend on complex industrial machinery to produce their product efficiently – and when a piece of important equipment breaks, it often leads to business interruptions. Equipment breakdown coverage can help cover the cost of repairing or replacing equipment that has unexpectedly broken down.
  • Business Interruption – Additional common interruptions for bakery manufacturers can include equipment failure, relocation, fires and natural disasters. Continuity is critical in business, and there are few things more important than continuous revenue and cash flow – particularly for small to midsized organizations. Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures.
  • Product Liability and Spoilage – Despite the best efforts to keep food safe, these areas a major concern for tortilla manufacturers. In the event of equipment malfunction, food and ingredients may spoil, potentially costing thousands of dollars in lost supplies and revenue. Food poisoning, the presence of foreign objects and other factors can potentially harm a customer, resulting in a lawsuit and costly settlement. Even a frivolous lawsuit can cost a significant amount of time, money and resources. Spoilage insurance can help cover the cost of any food lost as a result of spoilage, and product liability coverage can help cover these costs in the event of a lawsuit.
  • Workers’ Compensation Claims – Operating heavy machinery could lead to employees being injured on the job. Even simple tasks like repeatedly lifting boxes or bags of supplies can lead to musculoskeletal injuries. Accidents ultimately happen in every workplace, but Horton can work with you to develop an effective safety plan and Accident Review Board to help you prepare for when the worst occurs.


Q. What is an accident review board, and how will this help my business long-term?

A. An Accident Review Board is comprised of key company personnel who review accidents and injuries in the workplace. Horton will help you determine the best members for your board – usually, it consists of your CFO, head of facilities, risk manager, head of human resources and a Horton safety consultant.

After an incident occurs, the board meets with the injured employee and their immediate supervisor to identify the cause of the incident and develop corrective actions necessary to provide similar situations in the future. If implemented correctly, this could drastically reduce the number and the severity of work-related injuries in the future.


Q. What does Bakery Manufacturing Insurance cost?

A. There are several factors that will impact the cost of bakery manufacturing insurance, including the size of your company, the amount of services you are requesting and your overall level of risk. For additional information, call Horton at (800) 383-8283.

How can Horton Safety Consulting Services help your Manufacturing Business Operations?

Horton Safety Consultants can:

  • Develop organizational specific safety and health programs and procedures with special emphasis on manufacturing environment work activities and exposures. Special emphasis safety programs and procedures could include equipment and machine operations and guarding, electrical safety and lockout tagout, hazard communication; globally harmonized systems, housekeeping and combustible dust, ergonomics and soft tissue injury prevention.
  • Provide authorized, affected and other lockout/tagout application training.
  • Provide powered industrial truck, scissor and aerial lift training and certification.
  • Provide first-aid, CPR & AED training and certification for key company personnel.
  • Provide routine training sessions for managers, supervisors and leads to ensure that facility safety and employee work practices are compliant with applicable OSHA standards and company directions.
  • Conduct safety observations and audits  using the Predictive Solutions software platform. Predictive Solutions provides statistical probabilities regarding the occurrence of accidents and injuries. Formal reports with photographs depicting both safe and at-risk practices and conditions will be distributed to key company personnel.
  • Conduct documented accident and injury investigations. The investigation report will include descriptions and a summary of events, root causes and recommended actions; photographs will be taken. Horton Safety Consultants will use these investigations to solicit ideas and suggestions from all employees on how to prevent similar injuries or accidents from occurring in the future.
  • Develop and implement an Accident Review Board (ARB). The Accident Review Board is made up of key company personnel who review and hold meetings to discuss significant accidents or near misses. At regular intervals, the injured or involved employee and their supervisor report to the ARB meetings to discuss what events transpired and what must be addressed to prevent future events.
  • Capabilities to perform Industrial Hygiene activities necessary to ensure compliance with applicable OSHA hazardous and toxic substances requirements, OSHA’s respiratory protection regulations and OSHA’s hearing conservation standard.

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Jason Haas, Taft-Hartley, insurance broker.