August 2020

An educative
newsletter series
by Risk
OCCUPANCYCLOPEDIA
Engineering –
Liberty General Edition 1
Insurance Ltd
 Modern manufacturing practices have evolved a long way from conventional
methods. Industries today have become more complex and integrated than they
used to be in the past. This is resulting in to challenges for the insurance
professionals in the identification of risks and associated hazards.

It is often said that the risk engineers are the ‘eyes and ears’ of the property
underwriter who needs to correctly categorize the risk occupancy and charge
Preamble premium. Risk Engineering Cell, a team of diversified engineers at Liberty
General Insurance is not only assisting underwriters but also committed towards
our valued business partners and salesforce. In this endeavor, the need for
demystifying various occupancies under Property insurance was felt.

“OccupanCyclopedia” is a monthly newsletter series that would come in handy

to all parties associated with the property line of business and aid in
understanding the basics of manufacturing industry i.e raw materials, finished
goods & processes involved via pictorial presentation.

- Risk Engineering Cell, LGIL

 Definition

Abrasives are substances used to polish, smooth out or machine other softer materials through
extensive rubbing. Both natural and synthetic abrasives are commonly available in a wide
variety of shapes including blocks, belts, discs, wheels, sheets, rods and loose grains.

Raw Materials
Abrasive • Aluminum oxide, silicon carbide, CBN and synthetic diamond, Binding agent (rubber, resin
Manufacturing etc.), Filler material.

Finished Good

• Rough Grinding Wheels ,Cut-Off Wheels, Sheets & Strips, Rough Grinding Wheel.

Process
• Mixing the ingredients > Molding > Firing / Sintering > Finishing.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition
Magnesium and Aluminium are light metals which are used in varied capacities for structural
applications, chemical, metallurgical, electronics and other industries. These metals can
easily combine with other chemicals and metals to form compounds and alloys.
Raw Material
Aluminium,
• Dolomite, magnesite, carnallite, brine, bauxite, can also be a salt of aluminium and
Magnesium magnesium.
Powder Plants Finished Good
• Aluminium and Magnesium powder.
Process
• Aluminium Powder - Grinding > pressure digestion > clarification > precipitation > seed
separation > washing and filtration > Calcination.
• Magnesium Powder- Calcination > Flocculation > Filtering > Neutralizer > Purification >
Dehydration > Electrolysis.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition
Aerated water is distilled water to which air/specific gas is added to improve its flavor.
Manufacturing of mineral water, soda, beverage, etc. would fall under aerated water
factories. Bottling facilities can have glass handling / blow molding / aluminium can
manufacturing as incidental processes.
Aerated Water Raw Materials
Factories • Water, CO2 (or other gas), sugar, flavors.
Finished Good
• Mineral water, Carbonated water, Soda ,Soft drinks.
Process
• Water Purification and treatment > Mixing flavors and additives > Carbonating > Filling
and Packaging.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition
Agarbatti or Incense is aromatic biotic material that releases fragrant smoke when burned.
Incense is used for aesthetic reasons, aromatherapy, meditation, and ceremony. Incense is
composed of aromatic plant materials, often combined with essential oils.

Raw Material
Agarbatti
• Jiggat Powder (Joss Powder), Agarbatti Bhusu (Wood Powder), Charcoal, Powder,
Manufacturing Kupam Dust Powder, Nudwa Powder, Bamboo Sticks.

Finished Good

• Agarbatti (Incense stick), dhoop etc.

Process
• Selection of ingredients > Dust removal (sieving) > Powder mixing > Rolling over
bamboo sticks > Dehydration > Dipping into incense > Packing.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition

Copper, Aluminium and Zinc are light metals which are majorly used as Conductors in
electrical equipment, Construction material, Alloys in industrial machinery, Corrosion
Protection, etc.

Aluminium, Raw Material

Zinc, Copper • Zinc sulfide (also called sphalerite), zinc carbonate (smithsonite), zinc silicate
(calamine), copper ore, Bauxite, etc.
Factories
Finished Good

• Copper, Zinc, Aluminium.

Process
• Mining > Froth floatation > Filtering > Smelting > Refining > Alloying.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition

A mill grinds cereal grain into flour and middlings.

Raw Material

• Wheat, Corn, Maize, Barley etc.

Atta and Cereal Finished Good
Grinding • Wheat Flour

Process

• Cleaning > Soaking > Germination > Drying > Milling > Sieving > Packing.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition

An automobile is a vehicle used for transportation and material handling, it operates on fuel
such as Petrol, Diesel, CNG, LPG, Electrical Battery, etc.

Raw Material

Automobile • Components made with Plastic, Steel, Alloys, Glass, Rubber, etc. at ancillary units.

Manufacturing Finished Good

• Bike, Scooter, Car, Bus, Truck, Earthmover, etc.

Process

• Components like Gearbox, Transmission system, Steering system, Brake system,

Engine are assembled > Weld shop > Paint shop > Trim line > Final Assembly Line >
Testing/Inspection.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition

Areca nut is a seed of the areca palm (Areca catechu), which grows in the Tropical Pacific
(Melanesia and Micronesia), Southeast and South Asia, and parts of East Africa. It is
commonly known as betel nut.

Raw Material
Areca Nut • Areca Fruit
Factories
Finished Good

• Areca Nut
Process

• Areca Fruit > Peeling > Boiling > Drying > Cutting > Packing.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition

Cassette is a sealed plastic unit containing a length of audio tape, videotape, film, etc.
wound on a pair of spools, for insertion into a recorder, playback device, or other machine.

Raw Material

Audio/Video • Polyethylene terephthalate (PET), Solvents, Magnetic powders, binders, etc.

Cassette Finished Good
Manufacturing • Audio/Video Cassette

Process

• Mixing (magnetic powder, solvents and plastic) > Coating > Calendaring > Slitting >
Assembly > Testing > Packing.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
 Definition

A bakery is an establishment that produces and sells flour-based food baked in an oven
such as bread, cookies, cakes, pastries, and pies.

Raw Material

Bakeries • Wheat flour, Sugar, Milk powders, Oils, Fats, Yeast, Eggs, etc.

Finished Good

• Bread, Cake, etc.

Process

• Mixing of Ingredients > Kneading the Dough > Fermentation > Baking > Packing.

Business Group or Department

Raw Material For internal circulation only
Finished Goods
Editorial Team – Risk Engineering Cell – LGIL

Saurabh Bhootara Piyush Purohit

Rahul Sharma K. Sudarsan Reddy

We welcome your feedback, Please feel free to contact us at RiskEngineering.Cell@LibertyInsurance.in

Disclaimer: “For information and knowledge purpose of employees, agents and intermediaries. Not to be used for solicitation. Trade logo displayed belongs to Liberty Mutual and is used
by Liberty General Insurance Limited under license.”
The details contained in this material are general in scope and, to the best of our knowledge, current at the time of publication. Liberty General Insurance specifically disclaims all
liability for damages or personal injury alleged to arise from reliance on the information contained in this document.

Liberty General Insurance Limited, 10th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 013. Phone: +91 22 6700 1313 Fax:
+91 22 6700 1606 Email: Riskengineering.cell@libertyinsurance.in Website: www.libertyinsurance.in This document is for internal circulation