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EMC Light Manufacturers Program

EMC's Light Manufacturers program offers more than great coverage.

Our policyholders also receive industry-appropriate loss control resources, personalized claims service and the kind of expertise you’d expect from a company that’s been in the commercial insurance business for over 100 years. Any insurance company can provide coverage. It’s our tailored resources, expertise and service that make us the right choice for light manufacturing clients.

Eligible Classes of Business

Underwriting Standards

For operations that manufacture wood products, plastic or rubber goods, or textiles, sprinkler systems are required for:

Operations that manufacture wood products or textiles must have an adequate, fully functioning dust collection system.

If you have a light manufacturing operation and would like more information, contact your local independent insurance agent for more details. Find an agent.

If you’re an agent and have questions about eligibility, contact your EMC marketing representative or underwriter.

Our unique industry-specific extensions are provided on form CP7322:

Brands and Labels Included
Manufacturer's Consequential Loss Assumption $50,000 each described premises
Deferred Payment $50,000
Foundations $250,000
Manufacturer's Selling Price Included
Contractual Penalties $10,000/occurrence, $100,000/aggregate

Manufacturer's Errors or Omissions

This optional claims-made endorsement provides liability coverage for consequential financial damages incurred by a third party arising from the failure of the insured’s manufactured products to perform the function for its intended use.

*Varies by state.

The following forms* provide this coverage:

*Form numbers vary by state.

Choose either CP7320 or CP7351 for property coverage:

Property CoverageExtension CP7320Expanded Extension CP7351
Accounts Receivable$25,000$50,000
Appurtenant Buildings and StructuresNot included$5,000
Business Income From Dependent Properties$25,000/$1,000 per day$25,000/$1,000 per day
Debris Removal25% plus $25,00025% plus $50,000
Electronic Data$2,500$5,000
Employee Dishonesty$25,000$25,000
Employees’ Tools$5,000/$500 per employee$5,000/$500 per employee
Expediting ExpensesNot included$10,000
Extra Expense$25,000$25,000
Fine Art$25,000$50,000
Fire Department Service Charge$5,000$10,000
Fire Department Extinguisher Systems ExpenseActual cost incurredActual cost incurred
Forgery or AlterationNot included$25,000
Increased Cost of Construction5% or $25,000, whichever is lessSee ordinance or law
Inventory and Appraisal Expense$10,000$25,000
Lock Replacement and Rekeying$5,000$5,000
Money and Securities$10,000$10,000
Newly Acquired:
     Period of Coverage
     Buildings
     Business Personal Property
     Business Income

Up to 120 days
$1,000,000
$500,000
$250,000

Up to 120 days
$1,000,000
$500,000
$500,000
Outdoor Property (with expanded perils)$15,000/$1,000 any one tree, shrub or plant$25,000/$1,000 any one tree, shrub or plant
Ordinance or LawSee Increased Cost of ConstructionCoverage A: Included
Coverage B & C combined: $50,000
Personal Effects and Property of Others$25,000$50,000
Pollutant Cleanup and Removal$25,000$25,000
Premises Boundary Definition1,000 ft1,000 ft
Preservation of PropertyIncluded up to 60 daysIncluded up to 60 days
Property – In transit$25,000$50,000
Property – Off premises$25,000$50,000 (includes coverage for portable computers)
Replacement Cost Valuation – Building losses under $10,000IncludedIncluded
Reward Payment$5,000$5,000
Sales Representative Samples$25,000$25,000
Seasonal Variations – Business personal property25%25%
Signs (outdoor, attached to building or detached)$25,000$25,000
Theft Limitation – Jewelry, watches, precious metals$2,500$5,000
Theft Limitation – Patterns, dies, molds and formsNo theft limitationNo theft limitation
Utility Services – Direct damage (excludes overhead transmission lines)$25,000$25,000
Valuable Papers and Records$25,000$50,000 (includes cost of research)
Water Backup and Sump Overflow/Discharge From Sewer, Drain or Sump$5,000 each premises/$25,000 per policy period$10,000 each premises/$25,000 per policy period
 
General Liability CoverageEssential ExtensionElite Extension
Additional Insured: Primary and noncontributoryNot includedIncluded; automatic if required by contract
Blanket Additional Insured: Specified relationshipsNot includedIncluded if required by contract
Damage to Premises Rented to You: Fire legal liability $300,000; includes fire, lightning, explosion, smoke and sprinkler leakage damage leakage damage $500,000; includes fire, lightning, explosion, smoke and sprinkler leakage damage leakage damage
Expected or Intended Injury: Reasonable forceIncluded; bodily injury and physical damage Included; bodily injury and physical damage
Extended Property Damage Coverage for Borrowed Equipment and Customer Goods: Care, custody and control $2,500 per occurrence/$5,000 policy/$250 deductible $5,000 per occurrence/$10,000 policy/$250 deductible
Fellow Employee CoverageNot includedIncluded
Fire, Lightning or Explosion DamageExpanded definitionExpanded definition
General Liability Conditions: Duties in event of accident Included; clarifies the requirement Included; clarifies the requirement
General Liability Conditions: Unintentional failure to disclose exposuresIncludedIncluded
Health Care Service Professionals as Insureds: Incidental malpracticeIncludedIncluded
LiberalizationAutomatic revisionsAutomatic revisions
Medical Payments Limit$5,000$10,000
Medical Payments Reporting Period3 years extended reporting3 years extended reporting
Mental Anguish Included in definition of “bodily injury” Included in definition of “bodily injury”
Newly Formed or Acquired Organizations as InsuredsUntil the end of the policy periodUntil the end of the policy period
Nonowned WatercraftLess than 51 ft longLess than 60 ft long
Property Damage: Elevators Amendment of exclusions regarding elevators; reduces application of care, custody or control exclusion Amendment of exclusions regarding elevators; reduces application of care, custody or control exclusion
Subsidiaries as Insureds When you own 50% of the voting stock on the effective date of this policy When you own 50% of the voting stock on the effective date of this policy
Supplementary Payments: Bail bonds/Loss earnings $3,000 bail bond limit; $350 loss of earnings $5,000 bail bond limit; $500 loss of earnings
Waiver of Transfer of Rights of RecoveryNot includedIncluded if required by contract
 

Choose either CA7270 or CA7450 for auto coverage*:

Commercial Auto Extension CA7270 Elite Extension CA7450
Airbag Accidental Discharge Included; mechanical breakdown exclusion does not apply Included; mechanical breakdown exclusion does not apply
Audio, Video and Data Electronic Equipment $1,000 $5,000
Auto Loan/Lease Coverage: Unpaid amounts, penalties, fees Not included Included; $500 max for fees or penalties
Autos Rented or Hired by Employees Not included Included
Blanket Additional Insured Written agreement Written agreement
Blanket Waiver of Subrogation Not included Included
Business Auto Conditions: Duties in event of accident Included Included
Business Auto Conditions: Unintentional failure to disclose exposures Included Included
Employees as Additional Insureds Not included Included
Extra Expense for Stolen Auto Not included $1,000
Fellow Employee Not included Included
Glass Repair or Replacement: Waiver of deductible No deductible No deductible
Hired Auto Physical Damage Included; $75,000 Included; no limit
Hired Auto Physical Damage: Lessors financial loss when liable for accident Not included $1,000 per accident
Liberalization Automatic revisions Automatic revisions
Locksmith Services (including electronic) $50 private passenger $250 private passenger
Loss of Two or More Covered Autos, Same Accident One deductible One deductible
Mental Anguish Included in definition of "bodily injury" Included in definition of "bodily injury"
Newly Formed or Acquired Organizations Up to 180 days after acquisition Up to 180 days after acquisition
Personal Effects Not included $500
Personal Property of Others $500 $500
Rental Reimbursement: Not theft $50 day, 30 days; $1,500 max $75 day, 30 days; $2,250 max
Replacement Cost on New Autos Not included Included, if less than 180 days
Subsidiaries as Insureds Included when you own 50% of the voting stock on the effective date of this policy Included when you own 50% of the voting stock on the effective date of this policy
Supplementary Payments: Bail bonds/Loss earnings $3,000 for bail bonds; $350 loss of earnings $5,000 for bail bonds; $500 loss of earnings
Temporary Substitute Autos: Physical damage coverage Not included Included
Towing $100 private passenger; $500 other than private passenger $100 private passenger; $500 other than private passenger
Transportation Expense: For total theft $75 per day; $1,000 max $75 per day; $2,500 max

*These forms are not available unless a scheduled auto is included on the policy.

Ineligible Operations

Light manufacturers with the following characteristics are generally not acceptable for the EMC Light Manufacturers program:

The Light Manufacturers program is not available in Alaska; Washington, D.C.; Delaware; Florida; Hawaii; New Jersey; New York; Vermont; Washington; or West Virginia.

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