Machinery & Equipment, (Repair & Maintenance)

Property exposures depend on the type of item being repaired. Repair services may have exposures to soldering, electrical wiring, and the repair of plastic, metal, or wood cabinets. Flammables and combustibles need to be properly stored in fireproof cabinets or rooms. The theft of high-value items such as high-end purses and other leather goods is a concern, necessitating the implementation of alarms, locks, and other security measures.

Inland marine exposures are from Bailees Customers as the operation will have care, custody, and control of the customers’ goods while being repaired. Customers’ goods can also be exposed to loss if the operation offers pick-up or delivery service. Items should be padded and tied down during transit to prevent damage. Off-site exposures can be high due to the tools, equipment, and supplies carried to and possibly stored at customers’ premises.

Products liability exposure is not usually high. However, using faulty components or improperly repaired items can cause electrical problems, resulting in fire or other property damage. Employees should be trained in proper repair procedures. Improper work can nullify warranties and make the responsibility for properly working products fall back on the repair operation. The product liability exposure will increase if reconditioned or used items are sold.

Workplace safety exposures arise from electrical shock, eye fatigue, repetitive motion injuries, and burns and splashes during soldering operations. Back, hernia, and other lifting injuries may occur if the repairperson moves heavy items. Off-premises injuries can result from repairpersons travelling to customers’ premises.