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|
|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|
|Crime Conviction Reward||$5,000||$10,000|
|Customers Property at Replacement Cost||N/A||$10,000|
|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|
|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|
|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!
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