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Beverage Manufacturing Insurance

The food and beverage manufacturing industry faces many challenges and risks – especially if you sell alcohol. Your day-to-day operations leave several opportunities for workplace accidents, product damages, and liability exposure. So, when it comes to choosing the right insurance coverage, you need to consult a team that is dedicated, transparent, and up-to-date on the latest regulations.

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Food and Beverage 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) requirements

Frequently Asked Questions About Food and Beverage 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
  • Property damage
  • Product liability
  • 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
  • Cyber Liability

 

Q. Are there particular factors to consider when evaluating Food and Beverage Manufacturing Insurance options?

A. All beverage manufacturers, regardless of what type of beverage they sell, must consider the risks of transporting goods. Property in Transit coverage can help protect your business from damaged property and potential loss of income.

It is also important to consider the risks of product contamination. This is important for all beverages, but especially important if you are selling alcohol, as the fermentation process can be unpredictable. In a perfect world, you’ll have a plan set to prevent contamination from occurring – however, accidents happen, so Horton will also work with you to provide coverage and an action plan to protect you and your business in the event of such an incident.

Last but certainly not least, alcohol manufacturers must evaluate their liability exposure. If you sell alcohol on the premises and/or offer tours, you will need to be prepared for patrons slipping/falling, and your staff should be fully trained to handle alcohol poisoning, intoxication and underage drinking. We can help you develop a plan to prepare for every scenario.

 

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 Food and Beverage Manufacturing Insurance cost?

A. There are several factors that will impact the cost of food and beverage 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 Expert