Manufacturing Insurance

Manufacturing Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.

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Typical Manufacturing Coverage Summary
Property CoveragesBasic Package LimitsEnhanced Package Limits
Business Personal Property (BPP)Min. $25,000Min. $25,000
Business Income18 months – actual loss sustained18 months – actual loss sustained
Business Income 72 Hour BuybackPremier onlyIncluded
Accounts Receivable$5,000*$25,000*
Back-up of Sewers or DrainsOptional$10,000*
Brands and LabelsPremier onlyIncluded
Claims Expense Control$1,000$5,000
Combined Building and Personal Property LimitMaximum of $10,000,000 per locationMaximum of $10,000,000 per location
Computer Equipment$5,000*$25,000*
Crime Conviction Reward$5,000$10,000
Customers Property at Replacement CostN/A$10,000
Debris Removal$10,000*$10,000*
Equipment BreakdownN/AIncluded
Fire Department Service Charge$1,000$5,000
Fire Extinguisher Recharge$2,500$5,000
Increased Cost of Construction$5,000$5,000
Lock Replacement Coverage$100/$5,000$100/$5,000
Newly Acquired Buildings$250,000$500,000
Newly Acquired BPP$100,000$250,000
Outdoor Signs$2,500*$25,000*
Personal Property Off-Premises$5,000* (over $100,000 SFA)$25,000*(over $100,000 SFA)
Pollutant Cleanup >$10,000*$10,000*
Premises Boundary100 feet1,000 feet
Preservation of Property30 days60 days
Seasonal Automatic Increase – BBP25%25%
Spoilage / Temperature ChangePremier only$25,000*
Tenants GlassOptionalActual Loss
Theft Limitation – Bullion/Precious Metals$2,500$10,000
Theft Limitation Patterns & Dies$2,500BPP Limit
Trees, Shrubs & Plants$500/$2,500*$500/$2,500*
Utility Services – Time ElementPremier only$10,000*
Valuable Papers and Records$5,000*$25,000*
Crime CoveragesBasic Package LimitsEnhanced Package Limits
Employee Dishonesty$5,000*$10,000*
Money and Securities – Inside/Outside$5,000/$5,000*$10,000/$10,000*
Forgery and Alteration$2,500$10,000
Money Orders & Counterfeit Paper Currency$1,000$10,000

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