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Submission Checklist for Pallet Manufacturers

Written by Carrissa Bradford—Risk Advisor

October 10, 2025 · 5 minute read · Commercial Lines

Blog Submission Checklist for Pallet Manufacturers

If you’re a pallet manufacturer looking to secure the best possible insurance coverage, your submission package is your first impression—make sure it tells the right story using this checklist.

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As an experienced agent focusing on wood product operations, I’ve seen firsthand how the right preparation can make or break your insurance submission—especially in a hard market. Pallet manufacturers face unique risks, and carriers are scrutinizing every detail. Here's my go-to checklist to help you present a clean, compelling submission that gets attention and approval.

Submission Checklist

1. Fire Risk & Dust Exposure Mitigation

Carriers are laser-focused on fire hazards—especially wood dust. Be ready to show:

  • Dust control protocols (daily cleaning, vacuum systems, no air hoses).
  • Spark detection and suppression systems.
  • Distance between dust piles and structures (50+ ft or firewalls).
  • Employee training logs on fire safety and dust management.

Tip: Include photos or inspection reports showing clean workspaces and dust-free machinery.

2. Property & Equipment Details

Carriers want to see proactive investment in safety—not just compliance. Make sure you know the following:

  • Age and condition of buildings.
  • Fire suppression systems (sprinklers, extinguishers).
  • Equipment maintenance schedules.
  • Any upgrades or retrofits to reduce risk.

3. Fleet Safety Program

Auto liability is one of the biggest pain points. Your submission should include:

  • Written fleet safety policy.
  • Driver training and MVR checks.
  • Telematics or GPS tracking usage.
  • Accident history and corrective actions.

Even one minor accident can spike premiums—show your commitment to prevention.

4. Workers’ Comp & OSHA Compliance

Highlight any recent improvements or safety awards.

  • Injury logs and mod rate history.
  • Safety committee meeting notes.
  • PPE protocols and enforcement.
  • Machine guarding and lockout / tagout procedures.

5. Business Operations Snapshot

These details help carriers understand your exposure and tailor coverage.

  • Number of employees.
  • Annual revenue and payroll.
  • Types of pallets produced (new, recycled, custom).
  • Geographic footprint and distribution methods.

6. Prior Carrier History & Loss Runs

Transparency builds trust—especially when paired with a strong corrective action plan.

  • 3–5 years of loss runs.
  • Explanation of any large claims.
  • Steps taken to prevent recurrence.

Final Thoughts from Carrissa

My goal is to help present your business in the best possible light to underwriters. This checklist isn’t just about paperwork—it’s about telling your story in a way that makes underwriters say “yes.” Let’s work together to build a submission that reflects your strengths and earns you the coverage you deserve.

Ready to get started? Apply today through Carrissa's portal »

Have questions? Contact:

Carrissa Bradford

Carrissa Bradford

Risk Advisor

Call: (737) 400-4717
Book an Appointment»

Howdy, I’m Carrissa and I believe insurance should feel personal, not transactional. I focus on crafting tailored coverage for folks in the hospitality world including, food and beverage, social service, medical and aging service industries. But more than that, I’m here to build real relationships and offer peace of mind through policies that truly reflect who you are and what you care about.

What sets me apart?
• Industry Insight: I have lived your challenges —tight budgets, high turnover, regulatory red tape, and the constant fear of lawsuits or claims.
• Tailored Protection: I craft custom strategies that align with your values, operations, and long-term goals.
• Proactive Risk Management: From slip-and-fall claims to cyber threats, I help you anticipate and prevent problems before they happen.
• Personal Connection: As a mom, business owner, and community leader, I bring empathy, clarity, and fierce dedication to every client relationship.

Your pain points, solved.
• Hospitality & Entertainment: High liability exposure, liquor liability, employee safety, and unpredictable customer behavior.
• Medical & Aging Services: Regulatory compliance, malpractice risk, and protecting vulnerable populations.
• Social Services: Funding constraints, volunteer liability, and safeguarding sensitive data and people.

I understand that your business isn’t just a job—it’s your livelihood, your legacy, and your passion. I aim to be your faithful partner in protection, your advocate in uncertainty, and your peace of mind when the unexpected strikes.

My journey into insurance wasn’t a straight line—it was built on a lifelong passion for service and connection. I grew up in a family of restaurateurs, where I learned the value of hard work, honest communication, and creating memorable experiences. That foundation led me to launch a nonprofit supporting trade training for underserved communities, and to earn licenses in real estate, personal, commercial, health, and life insurance.

Today, I live in Texas with my husband and our four amazing kids. We made the move from Bakersfield, California back in 2012, and we’ve been soaking up every moment since—whether we’re hiking, boating, traveling, or just enjoying a quiet day at the lake. Our family motto? Live fully, love deeply, and make every adventure count.

If you’re looking for someone who sees your business as more than a policy number, let’s connect. I’d love to learn your story and help you protect what matters most.

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Read Carrissa's full bio

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