A woodworking shop or wood manufacturing business can produce a myriad of products, including shelving, furniture, sculpture, and just about anything else you can imagine. Typically, the business receives raw lumber products in varying sizes and then dries, cuts, sands, glues, stains, nails, paints, or varnishes the wood. With these various processes comes a long list of potential hazards that can put your business at risk. Let’s examine some of these risks and the corresponding kinds of insurance coverage to consider.
Property Exposure. Cutting and sanding produces large amounts of wood dust, which can lead to fire or even explosion. Paint, varnish and glues can also be flammable and require proper storage and separation from other operations for safety. Even spray painting can lead to a fire unless it is performed in an isolated area.
Premises Liability. When you have large quantities of wood kept in an open storage yard, trouble is inevitable. The yard should always be fenced and well-lit, with proper warnings clearly visible. The more people granted access to this area, the more exposure and risk.
Environmental Impairment. The use of paint, chemicals, finishes and solvents can have a significant environmental impact.
Automobile Liability. All lumber is going to encounter a certain amount of transportation, from pickup to delivery to distribution. The risks involved in these deceptively simple operations can be moderate to high. Proper driver’s training and comprehensive records, as well as vehicle maintenance are important things to consider.
Workers Compensation. Wood operations inevitably require saws and dangerous cutting machinery. Employees should never be allowed to remove safety guards in an effort to increase production. Risks from these types of activities are extremely high and range from simple cuts to amputations or fatalities. But risks can also be more subtle, including burns or cuts to the eyes, skin, or even lungs. Repetitive motion can also cause injury, so machinery and utilities should be ergonomically designed whenever possible.
Recommended Coverage (Minimum):
Business Personal Property, Building, Business Income, Accounts Receivable, Computers, Employee Dishonesty, General Liability, Environmental Impairment, Goods in Transit, Employee Benefits, Umbrella, Hired and Nonownership Auto, Workers Compensation
Business Auto Liability and Physical Damage, Employment Related Practices
ERM Insurance Brokers in Irvine, California knows how to find the best coverage for you.
Call (949) 222-0444 to speak to an expert!