What Is 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 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 |
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