Food Processing Manufacturer Insurance Program
 

Food Processor Coverage

The Business Owner's Policy or BOP protects your business in a number of ways.  It's a policy that is important for you to know about, because the unthinkable can happen. And you want protection from financially devastating possibilities.

Insurance - In Sync     

Property Coverage Features
 

	Special Form
	Replacement Cost
	No Co-Insurance
	Deductible Options:  $500 to $25,000
	Building Coverage Includes: Completed Additions Fences & Fixtures Permanently Attached Machinery & Equipment Building Glass Retaining Walls Owned equipment used to maintain property Newly acquired or constructed buildings - $500,000 for 180 days Ordinance of Law - $25,000 Outdoor Trees, Plants & Shrubs - $3,000
	Business Personal Property: Property within 1000 feet of the premises Improvements & Betterments Sales Representatives Samples - $25,000 Personal Property at exhibitions - $25,000 Brands & Labels - $25,000 Peak Season - 25% over BPP limit Patterns, Dies & Molds - $50,000 Theft of gold, silver, platinum and precious metals used in manufacturing - $25,000 Newly acquired business personal property - $250,000 for 180 days In Transit and at temporary locations you do not own Spoilage Temporary Relocation of Property - $50,000 for up to 90 days Theft damage to rented property Non-Owned Detached Trailers - $5,000 Transportation of goods by common carrier or owned vehicles including spoilage available
	Equipment Breakdown - Included $25,000 coverage for pollutant contamination $25,000 coverage for expediting expenses $100,000 limit to diagnostic, power generating or production equipment  (Limit can be increased by endorsement)
	Electronic Data Processing Included in Business Personal Property limit to $50,000 maximum  (Limit can be increased by endorsement) Interruption of Computer Operations - $25,000 aggregate for physical loss to EDP equipment Worldwide Coverage $25,000 Transit - Off Premises $25,000 Newly Acquired EDP $25,000 Backup Data off premises $25,000 Electronic Vandalism
	Fine Arts up to $25,000  (Limits can be increased by endorsement)
	Signs - On premises
	Business Income & Extra Expense - Actual Loss Sustained for up to 12 months. Deductible does not apply 90 day payroll limitation Manufacturer's consequential loss - $25,000 Up to 60 days extended period of indemnity Business Income newly acquired premises - $250,000 for 90 days Full ordinary payroll available
	Additional Coverage Included: Arson & Theft Reward up to $5,000 Claim Data Expense - Up to $5,000 for appraisal and inventory expenses Debris Removal - 25% of direct claim amount to maximum of $25,000 Expediting Expenses up to $25,000 Fire Department Service Charge to $25,000  (deductible does not apply) Fire Protective Equipment Discharge - $10,000 for accidental or intentional discharge Pollutant Cleanup and removal - $50,000 annual aggregate
	Employee Dishonesty - $10,000 (Limit can be increased by endorsement)
	Money & Securities -    $10,000 (Limit can be increased by endorsement)
	Accounts Receivable - Up to $25,000 (Limit can be increased by endorsement)
	Valuable Papers - Up to $25,000 (Limit can be increased by endorsement)
	Liability Coverage Includes: Premises & Operations Advertising & Personal Injury Blanket Contractual - Oral & Written Products Liability & Completed Operations Broad Form Property Damage Unlimited Defense Costs Host Liquor Legal Liability Medical Payments - $5,000 Damage to Premises Rented to You - $300,000 Web Extend for website liability Limited Worldwide Coverage
	Liability Options Available: Aircraft chartered with crew Blanket Additional Insured Blanket Waiver of Subrogation Bodily Injury - Amended Definition Broadened Named Insured Incidental Medical Malpractice Injury to co-employees and co-volunteers Knowledge and notice of occurrence Non-Owned Watercraft increased to 50' Personal Injury - Assumed by Contract Employee Benefits Liability
	Garagekeepers Legal Liability - Available by endorsement
	Hired & Non-Owned Auto - Available by endorsement
	Umbrella

WORKING TO CONTROL COSTS

With our BOP, you can reduce your premium costs by choosing a higher deductible. We offer a wide variety of deductible options, from $250 to $5,000. What's more, we offer substantial discounts to businesses in buildings equipped with sprinklers and superior construction.

FLEXIBLE PAYMENT PLANS

You also have a choice of payment plans to make it easy on your budget. Ask us about the flexible payment options we offer.

SUPERIOR CLAIMS SERVICE

Settling a claim has never been easier. Allen Financial Insurance Group has claims offices throughout the nation to provide fast, accurate claims service. We're among the top-rated insurers in handling claims. In fact, 96% of our customers rate our claims service as excellent.

  Contact us by phone (800) 874-9191, FAX (602) 992-8227 or email below for more product information.