Manufacturer Insurance

Building Coverage

Protects your building and on-site structures, machinery, equipment, floor coverings, outdoor furniture, garages, fences and additions under construction.

Optional Coverage Increase Available For: Other appurtenant building structures on premises, lobby and hallway furnishings, walkways, patios and signs, fences, exterior and interior building glass.

Improvements and Betterments Insurance

If you rent your office space and you made improvements this will cover loss to those improvements. Protects you against damage or destruction of improvements or betterments made by you (the tenant) in a property not owned by you.

Business personal property

Protects business personal property, such as furniture, fixtures, machinery or personal property of others that is in your care

Accounting Restoration

Covers the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollected as a result of the destruction of accounts receivable records.

Business Income coverage

Covers cost to continue operations while repairing damage to reopen business. Includes coverage for extra expense in doing so.

Valuable Papers

Protects your valuable papers and records in case they are damaged. It can also cover the cost of reproducing them

FOB shipments

Coverage for Free On Board shipments

Property off premises

Coverage for property while off premises such as equipment to deliver goods

Property in transit

Covers damage to property while being delivered

Delayed Delivery Coverage

Covers financial loss due to delayed delivery by a covered cause of loss

Electronic Data / Software Processing Coverage

Insures against loss or damage to electronic data processing equipment and media owned, leased or used by the insured

Manufacturers consequential loss assumption

Covers the reduction in value of the remaining parts of "stock" in the process of manufacture when the reduction in value is caused by a covered cause of loss to other parts of "stock"

Equipment Breakdown Coverage

Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage.

Commodity Market Value

Provides for valuation based on market price at the time and place of loss or damage

Patterns, Dies, Molds

Pays to replace patterns, dies and molds which are lost or stolen while in your care.

Payment for a Loss to Finished Goods on Premises

Reimbursement at the manufacturer's selling price to replace lost or damaged finished goods which were on your premises. It takes into account anticipated profits, minus discounts and expenses that would have been incurred.

General Liability

Covers medical expenses, attorney fees and damages when you’re legally responsible.

Product Liability

If you sell, supply or deliver goods you may need cover against claims of goods causing injury or damage. Product liability insurance covers damage or injury caused to another business or person by the failure of your product or the product you are selling.

Employment Practices Liability Coverage

Provides specific coverage for you if any employee, former employee or applicant sues you for wrongful termination, discrimination or harassment.

Directors & Officers Liability

Provides specific coverage if you have Directors & Officers.

Medical Payments

Covers medical bills of people injured on your property or as result of your operations. Unlike other liability coverage's this one pays out immediately and without determination of fault.

Workers Compensation

Covers medical cost for an injured employee. Also may pay out partial lost wages if injury causes employee to take time from work.