SUGAR MANUFACTURING INSURANCE | The Horton Group
Confectioner’s sugar plays a starring role in many beloved sweet treats, including candy, cookies and other baked goods. Many steps go into producing a quality product – but accidents happen, and mistakes are made. The product could get contaminated, machines could malfunction and workplace injuries could occur.
The right insurance coverage will help keep your company safe when the worst scenarios occur. Horton’s consultants will keep you updated on the latest regulations, assess your biggest levels of risk and will help you choose a plan that fits your needs the most.
Need Assistance? Ask Our Expert Jonathan Reinecke!
SUGAR MANUFACTURING INSURANCE SERVICES
We make sure you are covered and prepared.
Our capabilities range from securing basic insurance coverage to implementing workplace safety plans. Your Horton team will serve as your “part-time safety director,” and provide all the services your business needs to manage its risks while building a stronger culture of safety. 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
Housekeeping and combustible dust
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:
Respiratory protection regulations
Hearing conservation standards
General personal protective equipment (PPE) requirements
FREQUENTLY ASKED QUESTIONS ABOUT SUGAR MANUFACTURING INSURANCE
WHAT ARE THE MAIN INSURANCE-RELATED RISKS FOR FOOD AND BEVERAGE MANUFACTURERS?
Based on our experience on the field and the most common OSHA citations, food and beverage manufacturers are at risk for the following situations:
Product spoilage, contamination or tampering
Injuries from working on dangerous equipment
Lack of quality assurance/quality control
Providing a lack of Personal Protective Equipment (PPE)
Poor management of highly hazardous chemicals
ARE THERE PARTICULAR FACTORS TO CONSIDER WHEN EVALUATING SUGAR MANUFACTURING INSURANCE OPTIONS?
There are specific risks that sugar manufacturers face on a daily basis, including:
Fires/Property Exposure – 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. While sugar itself does not cause a fire, it does support flames. If a fire does start, the stock will quickly be destroyed due to the fire, heat, smoke and water. Even a small fire can destroy the entire contents.
Equipment Breakdown –Sugar 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 sugar 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, this is a major concern for sugar 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.
WHAT IS AN ACCIDENT REVIEW BOARD, AND HOW WILL THIS HELP MY BUSINESS LONG-TERM?
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 severity of work-related injuries in the future.
WHAT ARE THE BENEFITS OF HAVING A “PART-TIME SAFETY DIRECTOR”?
Workplace accidents/injuries always happen suddenly and unexpectedly. And OSHA requires you to report these incidents quickly, which requires you to put your other job duties on hold. However, your part-time safety director can easily jump in and assist after an incident occurs and will handle all of the logistics to make this process easier for you. Our Horton safety consultants are well-versed in the latest OSHA regulations/updates and will ensure that you are properly prepared for all on-site inspections. Depending on the circumstances, they might be able to negotiate with OSHA, which could result in a reduction of penalties and/or citations.
WHAT DOES SUGAR MANUFACTURING INSURANCE COST?
There are several factors that will impact the cost of sugar 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.
SUGAR MANUFACTURING INSURANCE EXPERTS
Jonathan Reinecke is a Shareholder and serves as a Vice President of Sales in Horton's Employee Benefit Solutions Division. Jonathan tried to make a career out of fighting food insecurity after his first, life-changing trip to India. After he transitioned to Insurance, Jon has continued his pursuit of eradicating hunger in his local communities and has found a natural overlap in his professional and philanthropic efforts. He brings several years of healthcare insurance experience to Horton's team of risk advisors, employee benefits and insurance specialists. In his role at Horton, Jonathan is responsible for providing strategic, cost-effective and innovative solutions to meet his clients' most complex, employee benefits and healthcare challenges.
Sales Executive / BIO
TJ Connors is a Sales Executive for Horton’s Benefit Solutions. In this role, TJ is responsible for providing industry expertise and consultative guidance to aid clients in navigating the ever-changing marketplace. He is part of a team of employee-benefits focused specialists dedicated to delivering innovative healthcare solutions to employers.
Jennifer Tverdek is a Vice President for Horton’s Benefits Solution Practice. Jennifer is responsible for providing expert employee benefits consulting, bringing new clients on board, and servicing and retaining existing clients. She is part of a team of employee benefits focused specialists dedicated to delivering innovative healthcare solutions to employers.