The following information provides a guide to the considerations for audio and video manufacturing workers’ compensation insurance policies in New York, New Jersey, Connecticut, and Pennsylvania. Enforce Coverage Group is a worker’s comp insurance agency with offices in New York City, Huntington, Long Island, and Fairfield County, Connecticut.
If you are looking to buy a new policy or need a free policy evaluation, contact us for a quote and pricing at (212) 947-4298
NYC Workers Comp for Audio & Visual Equipment Manufacturing – Class Code 3681 & 4112
Description of operations: The manufacture of audio and video equipment involves a variety of operations and exposures. The equipment’s box or cabinet may be plastic, wood, or metal. Each has its own set of exposures. The interior contains electrical or electronic circuitry; each entails another set of exposures.
Property exposures are often well controlled because of the requirement of a sterile environment due to circuitry, it is important that all processes be isolated in order to prevent contamination. Flammable liquids may be used as degreasers, and other flammables may involve paints or solvents. If a spray-painting operation exists, adequate protection and an approved booth are necessary. Theft is a major concern due to the attractive nature of the products and the easy resale.
Premises liability is light because premises are controlled due to the product sensitivity.
Product liability is low except for the products that are for personal use. Clear warning labels and advice for proper use are necessary.
Environmental impairment relates directly to the processes used. Vapors, fumes, and air pollutants, as well as wastewater and disposal of by-products, are concerns that must be evaluated and controlled.
Automobile liability will vary based on whether there is the transport of products and if there is regular travel by the salespeople. If there is a fleet of vehicles, maintenance and driver control are mandatory.
Workers compensation can be moderate to high, and again depends on the processes and products manufactured. Much of the exposure is machinery-related; therefore, safety, training, and guarding are important items to evaluate. So, too, are the chemical exposures, that could result in skin and eye irritations, as well as respiratory problems. “Per-piece” payment and bonuses are common in these operations. While these do provide production incentives, they also provide disincentives to safety. Monitoring must be more vigilant to prevent the removal of safety devices.
Minimum recommended coverage:
Building, Business Personal Property, Business Income, Accounts Receivable, Computers, Goods in Transit, Employee Dishonesty, General Liability, Employee Benefits, Environmental Impairment, Umbrella insurance, Hired, and Nonownership Auto, Workers Compensation.
Other coverages to consider:
Business Auto Liability and Physical Damage, Employment Related Practices
About Enforce Coverage Group
Enforce Coverage Group specializes in Workers Comp for Audio & Visual Equipment Manufacturing. If you have an audio and video manufacturing business, contact us to discuss the current liabilities, rates, and a custom insurance quote for your business.