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Typical Manufacturing Coverage Summary
Property Coverages Typical BOP Basic Package Limits Typical BOP 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