美国A.M.Best保险风险管理全集-bakeries.docVIP

Bakeries Commercial/Wholesale Bakeries Commercial/Wholesale Doughnut Manufacturing Cookie Manufacturing Cracker Manufacturing Cake Manufacturing Pie Manufacturing Bread and Other Bakery Products, Except Cookies and Crackers Cookies and Crackers Frozen Bakery Products, Except Bread and Rolls Bakery Plants B0490 Revision Date: 01/94 Line Bests Hazard Index Underwriting Comments AUTOMOBILE LIABILITY 7 Daily deliveries. AUTOMOBILE PHYSICAL DAMAGE -- GENERAL LIABILITY 3 PRODUCT LIABILITY AND COMPLETED OPERATIONS 5 Pest infestations. PROFESSIONAL LIABILITY -- ENVIRONMENTAL IMPAIRMENT LIABILITY 4 WORKERS COMPENSATION 6 CRIME 3 Higher with retail establishments. FIRE AND E.C. 6 Numerous ignition sources. BUSINESS INTERRUPTION 7 INLAND MARINE 5 BOILER AND MACHINERY 5 Low 1-3, Medium 4-6, High 7-9, Very High 10 SIC Code SIC Classification 2051 Bread and Other Bakery Products, Except Cookies and Crackers 2052 Cookies and Crackers 2053 Frozen Bakery Products, Except Bread and Rolls ISO Code ISO Classification 51315 Bakery Plants Special Exposures Contamination of raw materialsEasily perishable productsAutomated machineryDelivery truck fleet Related Classifications Bakeries - RetailCateringConfectionery ManufacturingRestaurantsSupermarkets RISK DESCRIPTION b049r. The history of bread and baking dates back many centuries. The remains of the Swiss lake dwellers, who lived around 10,000 years ago, reveal that even then man had utilized baking. Ancient Egypt had public granaries which were stockpiled with tithes of grain in case of famine. Tomb paintings of the time portray people planting and harvesting wheat, as well as grinding grain, mixing bread and baking. By 100 BC, Rome had 258 bakeries; 200 years later, the emperor Trajan established what is believed to be the first bakery school. Romes sophisticated baking industry even developed mechanical kneading devices. By the early Middle Ages, however,