Insurance for Manufacturers

Property coverages
Zurich’s broad all-risk Property form addresses exposures that manufacturing companies face. Coverage highlights include, but are not limited to:

• Broad definition of real and personal property.
• Real property does not exclude insureds interest in underground pipes, flues, drains and other permanent structures.
• Personal property includes personal property of others and computer systems.
• Equipment breakdown coverage is included with no sublimit.
• Ordinance or Law applies to all covered property and time element loss, not just buildings.
• Better Green^TM – coverage to rebuild to same or higher green standard is automatically included via sublimit after a covered loss.
• Loss of Utilities includes overhead lines.
• Business Interruption additional coverages Ingress/Egress and/or Civil Authority can include flood and earthquake for covered locations.
• Natural catastrophe limits and deductibles are scheduled on declaration page and not subject to revision at time of loss.

Workers’ Compensation
Flexible options include:

• Level and variable dividend plans
• Loss sensitive programs
• Pay-as-you-go payroll solutions

General Liability
General Liability Industry specific endorsements providing 25 enhancements to coverage such as:

• Broad Form Named Insured and Newly Acquired Entities for any organizations.
• Automatic Additional Insureds.
• Automatic Waiver of Subrogation and Primary Non-Contributory conditions.
• Bodily Injury includes mental anguish, mental injury, shock, fright or death.
• Incidental medical services, Good Samaritan Acts and Co-Employee extensions.

All perils included for property damage to Premises Rented to You Broadened contractual liability.

Manufacturers’ Errors and Omissions (E&O)
Covers manufacturing mistakes or negligent service resulting in third-party financial loss not covered under traditional General Liability Insurance.

International
One of the industry’s largest networks, providing coverage in 210 countries and territories

• Regionally based International Underwriting teams with expertise in navigating foreign legal, licensing and tax requirements
• A dedicated, 75-person servicing team for international programs
• Uniform claims-handling globally, with a U.S.-based International Claims Coordinator acting as a single point of contact

Umbrella
We offer additional limits protecting against catastrophic claims beyond primary coverage.