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Customized Insurance For Manufacturers
Precision manufacturing is what your customers expect from you. Your success
depends on producing the products your customers need and your commitment to
high quality standards. You should expect the same from your insurance company.
If a fire destroyed your finished goods waiting for shipment, would your
insurance reimburse you for their true worth? If your personal identity were
stolen, could a poor personal credit report negatively affect your business?
Could you afford to take the time away from your business to reinstate your
identity?
At Texans we are focused on protecting your business, and our small business
insurance package is designed with you in mind. Our customized program offers
you coverages that address your unique needs – coverages that may not be
available in other policies.
Planned for your Needs
Do you have the following protection in your policy?
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Off-Premises Utility Services
Extends coverage to include loss or damage to your property and stock caused by
interruption of off-premises water, communication or power supply services,
even when not owned by you. Also available as an option that protects your
business income.
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Product Contamination
Pays for expenses you incur as a result of an accidental contamination of your
product during the manufacturing process at your facility. Covers its loss of
marketability, including product sold but not delivered.
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Product Recall and Replacement
Covers you against the unexpected cost of recalling your product from the
market due to faulty design, errors in manufacturing or intentional tampering
of your products that may cause harm to your customers or the public. Plus,
coverage is extended to provide for the costs of replacing the recalled
products. Precious Metals. Covers the precious metals used in your business,
such as gold, silver, platinum and other precious alloys and metals, against
loss by theft up to a specified limit.
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Transit Coverage
Extends your coverage for loss or damage to business personal property to apply
to shipment by common carrier.
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Valuable Papers and Records
Protects the value of your time, work and research to re-create your customer
records or files if they are damaged or destroyed by a covered loss.
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Valuation Changes – Manufactured Goods
Values your manufactured goods at your selling price, less discounts and
expenses you would normally have incurred, in the event of a covered loss. In
addition, you have the option to buy these important coverages:
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Limited Pollution Coverage
Provides coverage for specific events involving pollutants that occur as a
result of your operation. Although pollution damages are not normally covered
in a standard business owner’s policy, exceptions are available with this
option.
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Umbrella Coverage
Provides you with up to $10 million of liability protection over and above the
limits of other policies in your business program.
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Building and Business Personal Property
Coverage to repair or replace your building and any equipment, stock,
furniture, or fixtures that you own. A lot of business property coverage can be
included, such as:
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Identity Recovery Coverage for Business Owners
Provides Identity Recovery Coverage and services, such as:
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Identity Recovery Help Line for policyholders who suspect they are identity
theft victims.
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Identity Recovery Case Managers who can greatly speed the recovery process.
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Expense reimbursement up to $15,000 for covered expenses arising out of a
defined identity theft event.
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Building and Contents
Covers your buildings and/or business contents if they are destroyed because of
a covered loss. You’ll receive the full cost to replace your property up to a
limit you select when you purchase your policy.
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Dependent Property
Protects your business from losses caused by a covered loss at a dependent
property, such as a major supplier. Gross Earnings Coverage
Reimburses you up to a scheduled limit for the loss of earnings resulting from
a covered loss to your property during the period of restoration. Extra
expenses needed to continue your operations, such as renting temporary office
space, are also covered.
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Product Recall and Replacement
Covers you against the unexpected cost of recalling your product from the
market due to faulty design, errors in manufacturing or intentional tampering
of your products that may cause harm to your customers or the public. Plus,
coverage is extended to provide for the costs of replacing the recalled
products.
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Electronic Vandalism
Designed to provide protection against several exposures connected with your
computer equipment and your Web site, including: Malicious alteration or
destruction of media and data, or the introduction of a virus; and The Denial
of Service Attack (an electronic attack designed to overload your computer or
network system, denying e-mail or Web site access by legitimate business
traffic).
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Equipment Breakdown
Covers the cost to repair or replace equipment, such as computers, air
conditioners, phone systems and steam boilers, from loss or damage caused by
mechanical breakdown or artificially generated electrical current.
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Business Liability
Provides your business with legal liability protection against claims of injury
or damage caused to others by you or your employees. For example:
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Premises and Operations Liability
Provides coverage for bodily injury and property damage sustained by others at
your premises or as a result of your business’s operations.
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Products and Completed Operations Covers you against injuries or damages to
others caused by the products you sell or by the work you perform for your
customers.
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CyberFlex® Liability
Personal & Advertising Injury on the Internet. Covers copyright
infringement to your Internet advertising. Covers other types of liability as
well, such as defamation or copyright infringement that occurs in others’
advertisements on your Web site.
Other Important Coverages Available
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Commercial Auto
Protects you against financial loss resulting from accidents involving the
vehicles you use in your business. Texans can offer valuable enhancements you
won’t normally find on other commercial auto policies, such as excess coverage
for hired autos and the extension of liability coverage to vehicles leased in
the name of an employee on your behalf and at your direction.
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Workers’ Compensation
Workers’ Compensation coverage provides 24-hour, seven-days-a-week access to
our claims reporting facility. In addition, our state-of-the-art managed care
and Return-to-Work program will help you get your employees back on the job as
soon as possible.
That’s Not All
We also have the convenience of flexible premium payment plans, an electronic
funds transfer plan, and 24-hour, toll-free claims reporting. All business
insurance is not the same. At Texans we act on emerging insurance needs and
provide convenient, cost-effective and quality coverage for your business. Give
us a call and start enjoying the peace of mind that comes from knowing you’re
covered by the business insurance specialist – Texans
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