Insurance for Chemical Products Manufacturers

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What Chemical Products Manufacturers Are All About:

This extremely broad industry covers every aspect of chemical manufacturing. Establishments in this industry specialize in the creation of synthetic and organic dyes, textile agents of all kinds, chemicals used in photography, petroleum refinement, paints, vegetable oils, abrasives and more. Any business that relies on chemicals, both organic or synthetic, buys materials created by establishments in this industry.

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
Business Owners Policy (BOP)
Also known as a BOP, this is a type of policy that packages together elements from General Liability, Commercial Property, and Business Interruption policies. Depending on the eligbility requirements (which vary by carrier), this is a great way for a business to get many of the protections it needs in a single policy. For businesses that have a storefront or regularly have third-parties visit their offices, this policy offers protections for the property you utilize while covering you in the case of non-employee bodily injury or property damage. Common claims such as slip-and-fall incidents or fire damages would both be covered by a BOP.

What is it: Also known as a BOP, this is a type of policy that packages together elements from General Liability, Commercial Property, and Business Interruption policies. Depending on the eligbility requirements (which vary by carrier), this is a great way for a business to get many of the protections it needs in a single policy.

Why get it: For businesses that have a storefront or regularly have third-parties visit their offices, this policy offers protections for the property you utilize while covering you in the case of non-employee bodily injury or property damage. Common claims such as slip-and-fall incidents or fire damages would both be covered by a BOP.

Pollution Liability
This policy helps to cover the costs associated with a pollution incident involving your business. This can include bodily injury or property damage, mandated clean-up, and legal costs related to the incident. If your business regularly stores or uses pollutants, this coverage may be recommended given the high potential costs associated with investigations and environmental clean-up.

What is it: This policy helps to cover the costs associated with a pollution incident involving your business. This can include bodily injury or property damage, mandated clean-up, and legal costs related to the incident.

Why get it: If your business regularly stores or uses pollutants, this coverage may be recommended given the high potential costs associated with investigations and environmental clean-up.

Product Liability
Product Liability insurance offers protection in the case of third-party claims (such as bodily injury or property damage) resulting from use of a covered product. If your business sells products and someone is injured by the use of the products, your company may be named in the lawsuit. Product Liability will pay for your legal defense and, if your company is found to be negligent, it will pay the injured third party.

What is it: Product Liability insurance offers protection in the case of third-party claims (such as bodily injury or property damage) resulting from use of a covered product.

Why get it: If your business sells products and someone is injured by the use of the products, your company may be named in the lawsuit. Product Liability will pay for your legal defense and, if your company is found to be negligent, it will pay the injured third party.

Workers Compensation
Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

What is it: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.

Why get it: Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

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