Manufacturing Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
Typical Manufacturing Coverage Summary | ||
Property Coverages | Basic Package Limits | Enhanced Package Limits |
Business Personal Property (BPP) | Min. $25,000 | Min. $25,000 |
Business Income | 18 months – actual loss sustained | 18 months – actual loss sustained |
Business Income 72 Hour Buyback | Premier only | Included |
Accounts Receivable | $5,000* | $25,000* |
Back-up of Sewers or Drains | Optional | $10,000* |
Brands and Labels | Premier only | Included |
Claims Expense Control | $1,000 | $5,000 |
Combined Building and Personal Property Limit | Maximum of $10,000,000 per location | Maximum of $10,000,000 per location |
Computer Equipment | $5,000* | $25,000* |
Crime Conviction Reward | $5,000 | $10,000 |
Customers Property at Replacement Cost | N/A | $10,000 |
Debris Removal | $10,000* | $10,000* |
Equipment Breakdown | N/A | Included |
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 Boundary | 100 feet | 1,000 feet |
Preservation of Property | 30 days | 60 days |
Seasonal Automatic Increase – BBP | 25% | 25% |
Spoilage / Temperature Change | Premier only | $25,000* |
Tenants Glass | Optional | Actual Loss |
Theft Limitation – Bullion/Precious Metals | $2,500 | $10,000 |
Theft Limitation Patterns & Dies | $2,500 | BPP Limit |
Trees, Shrubs & Plants | $500/$2,500* | $500/$2,500* |
Utility Services – Time Element | Premier only | $10,000* |
Valuable Papers and Records | $5,000* | $25,000* |
Crime Coverages | Basic Package Limits | Enhanced 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 |
IMD leads the way in providing products to specialized markets which include employees of federal, state, and municipal governments, small businesses as well as an array of support to other marketing organizations, agencies and producers.
One of our Specialists will give you a call to identify your families specific needs.
Once we know all of your options, we can start building a plan that’s right for you!
With tailored insurance plans, we can guarantee to find you what you and your family need!
If you want to be part of something great, you have honor, integrity, and intention to live a life. Being part of IMD Insurance & Financial Services LLC means you believe in Family, have Faith, and strive to be the best version of yourself every day. Our mission is to Inspire what is most important to our clients, staff, and team members that we are so privileged to work with. To motivate each other when we are struggling or down and consistently drive each other to be the best, they can be so that the people in their lives can be in a better place. Being part of something great is not giving up!