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The Saperstein Agency currently provides and services specialized insurance programs for many different types of manufacturers. If your company is eligible for one of our programs you will find that the premiums are competitively priced and the coverage's are more comprehensive then most typical insurance policies. Our programs are designed to meet the needs of a diverse group of manufacturers. With programs targeting metal manufacturers, food processors, plastic and rubber manufacturers and the growing hi-tech industry. These programs automatically provide coverage's that are usually purchased separately in most typical insurance packages. This helps reduce your cost as well as assuring your company that there are no insurance "gaps" in your protection. Following is a brief list of coverage's that are typically included in our programs: Building, Business Contents, Stock, Inventory, Finished Goods as well as goods being transported or shipped either domestically or internationally. Losses for your product can be settled on a "Selling Price" valuation which will help you be reimbursed for the cost of the goods at a value equal to what you could have sold it for. Most policies provide coverage only for the actual replacement cost or actual cash value. Loss of Business Income and Extra Expense coverage Computer Hardware and Media Accounts Receivable Valuable Papers and Records Transportation and Shipping coverage Replacement Cost for Patterns, Dies and Molds 25% automatic increase in contents coverage at no additional cost during your peak season. Outdoor signs Pollutant Clean-up Employee Dishonesty Theft of precious metals used in your operations Property of others in your care and custody Exhibition or off premises coverage Ordinance or Law coverage Loss of Business Income from dependent properties Brands and Labels Money & Securities Consequential loss or damage Spoilage Employee Dishonesty and Forgery Computer Fraud Earthquake and Flood Boiler & Machinery
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