As a Manufacturer, your first priority is your product.  You also need to have the proper insurance coverage to ensure that your merchandise, as well as your business, is safe. Throughout the life cycle of the production of your goods, you will need to implement proper safety measures. While you establish safety in your workplace, we will work with our companies to write the best coverage for your business to establish protection from a policy standpoint. With so much exposure to risk, it is very easy to encounter a loss. If you are protected in the right areas, such claims will be less detrimental to your business.

A plastic Pipe Manufacturer (PM) vendors the custom compounding of material used with swimming pools. The formula has been designed and tested to resist the harsh effects of sun and pool chemicals. The PM does not have a contract prohibiting the blender from making changes to the formulation. Without the PM’s knowledge, the blender changes the formulation to use a cheaper ingredient. The change makes the pipe vulnerable to the elements, enabling it to fail prematurely. The blender’s insurance limits are inadequate to deal with the magnitude of multiple losses.

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The claim scenarios described here are offered solely to illustrate the types of situations that may result in claims. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.