Insuring An Industrial Chemical Manufacturing Business

Today I visited a client to do an annual review of their insurance program which we handle here at our firm. This is not your everyday business when you consider their operations.  This is an industrial chemical blending manufacturer which produces chemicals used in a variety of industries. From solutions used in everyday household cleaning products, to compounds used to preserve metals through oxidation, their insurance demands are unique compared to most businesses. Here are some of the pictures I took during my visit:

This slideshow requires JavaScript.

Some of the coverages which apply to their operations are:

• Property Insurance (Building & Contents)
• Business Income & Extra Expense Coverage
• Workers Compensation Insurance
• Earthquake Insurance
• Commercial Auto Insurance
• Commercial General Liability (Including product liability)
• Employee Benefits Liability
• Pollution Legal Liability Insurance
• Excess Liability/ Umbrella Insurance
• Employment Practices Liability Insurance
• Group Health Insurance

Every business has unique exposures, so insurance policies need to be written specific to the demands of each and every business. Insurance is not one size fits all by any means!

–JK