Alcoholic Beverage Manufacturers & Distributors

Learn More About Pak Insurance Programs Wineries, breweries, wine and liquor retailers and importers face emerging challenges as we continue to navigate the COVID-19 pandemic, record-breaking natural disasters and more. Now, more than ever, choosing a trusted partner who specializes in this niche is critical to ensuring a business has the comprehensive, quality coverage it needs, coupled with the customer … Read More

Woodworking and Lumber Operations

Property coverage on woodworking and lumber risks is a problem because of the high potential for fire due to the extreme flammability of wood, wood scraps, and sawdust. The danger of explosion and total conflagration is correspondingly high. Adequate safeguards such as dust collection systems, fire cut-offs, and restrictions on the use of highly volatile lacquers and paints by some … Read More

Coatings and Adhesives Manufacturers

Paints, coatings, and adhesives manufacturers are classes of business in the chemical industry that specialize in producing paints, inks, plastics, adhesives, aerosol containers, lubricants, and resins. Coverages available include general, products, and professional liability, pollution and remediation liability, auto liability, umbrella liability, and workers compensation. Distributors that handle these commodities are also eligible.

Paint Manufacturers

It can be difficult to place commercial general liability and products liability coverage for paint, coatings, inks, and adhesive manufacturers. Like chemical manufacturers, these risks are more hazardous than most manufacturing operations due to exposures to toxic substances, the potential of accidental emissions and fire/explosion hazard. Loss control is a very important service that should be provided.

Bicycle Manufacturers

Bicycle and bicycle parts manufacturers have significant product liability exposures which most standard markets will not write. In addition, bicycle wholesale and retail operations that import bicycles directly from foreign manufacturers are usually underwritten as manufacturers when that foreign manufacturer does not have a U.S. insurance policy.

Fertilizer Manufacturers

Explosion potential is the catastrophic hazard for fertilizer manufacturers. Property, general liability, and workers compensation are the mandatory coverages. Excess/umbrella limits must be high enough to respond to property damage and bodily injury to the surrounding community in the event there is a major explosion. Automobile liability with high limits is also necessary if the manufacturer transports product. Coverage for … Read More

Nanomaterial Manufacturing

Nanomaterials are extremely small units of material. They are used in various industries including health-related and many other industries. One benefit of such very small units is that they can be directed and designed for specific purposes. One of the safety issues is that due to the very small size units can escape labs resulting in potential environmental issues. The … Read More

Sporting Goods and Equipment Manufacturers

Liability coverage for sporting goods and equipment manufacturers is difficult to place. Lawsuits are high-valued and high profile because children and athletes are injured when equipment such as helmets, padding, exercise equipment, or bicycles fail. Coverage may be written on a combined commercial general liability and products/completed operations liability package or with products liability written separately.

Toy Manufacturers

There are many types of toy manufacturers, but all share the desire to produce a product that is engaging to their target audience. The underwriting of the exposure depends on the selected market segment. Every segment has its own difficult aspect mainly because what is the intended use of the product and method of play can be radically altered by … Read More

Trailer Manufacturers Product Liability

Many insurance markets avoid writing trailers, particularly semi-trailers, because of their long-tail products liability. Insurers that offer coverage for these risks must clearly understand the products liability exposure and the controls and procedures necessary to reduce or minimize potential losses.