Slips, trips, and falls are the main premises liability exposure for the majority of visitors to your premises. This danger will be compounded by the potential for anyone who trips or falls in the production area to come into contact with hot materials such as molten metal or heated sand. A comprehensive General Liability policy along with strong safety and housekeeping practices is required, which we will address together with you.
Pollution liability exposures must be assessed thoroughly as improper storage, use, or disposal of toxic materials on your premises, or inadequate pollution control, can affect people living nearby and generate claims.
Product liability exposures for foundries can also be significant, as there are several factors that can compromise the quality of a foundry’s product. A poorly designed pattern, a bad melt or mix of metal, a poor finishing job, and/or the failure of the foundry’s quality control personnel to detect a defective product can all contribute to a possible loss. This exposure will depend on what kinds of castings are produced at the foundry. We will review your specific situation to provide you with the proper coverage.
Because foundries often operate a fleet to deliver finished castings to customers, you may have a substantial automobile liability exposure. It’s important for us to evaluate if your vehicles are owned or leased and whether your fleet consists of delivery trucks, tank trucks, tractor-trailers and vans and if you provide executives and salespeople with vehicles for handling certain company business. Office personnel may also occasionally use their own vehicles to run errands. In conducting a thorough assessment of your auto exposures, we can secure the proper Commercial Auto insurance for your firm.
Workers’ Compensation exposures are serious due to the hazardous and diverse nature of the work performed at foundries. Among the most serious threats to employees’ health is breathing in silica dust and other airborne contaminants. Having a robust safety program and loss control plan is essential in keeping workers safe and preventing on-the-job illnesses and accidents. Other on-the-job hazards and risks include: heat stress and fatigue from hot working conditions, burns and explosion from molten metal, back and muscle sprains and strains (musculoskeletal disorders) from various tasks, vibration-induced health effects caused by prolonged use of tools and machinery, eye injuries from metal fragments, excessive noise levels, and plant and machinery-related accidents. PMIS will not only secure an excellent Workers’ Compensation insurance plan for your company but we will also assist you in minimizing your losses with strong risk management strategies.