Greater Seattle Manufacturing Insurance

Covers permanently attached property on the rented premises that were installed or purchased by the insured.

Covers loose property on the insured premises. 

Coverage for property away from the insured premises.

Typically the building owner covers glass damage, however, some leases require that the tenant cover glass damage, which this covers.

Covers embezzlement of company funds.

Replaces lost income if a covered loss renders the premises uninhabitable.  Additional coverage is available for power outages.  

Covers expenses associated with withdrawing or recalling products due to a defect that could cause injuries or damage.  

Provides coverage for mechanical breakdown, electrical or electronic breakdown, or rupture, bursting, bulging, implosion, or steam explosion of covered equipment that results in direct physical loss or damage resulting from a covered cause of loss.  Does not cover wear and tear.  

Covers product spoiled after mechanical breakdown or failure of refrigeration equipment.

Primarily protects your company financially if held responsible for trip and slip-type injuries.  At least $1,000,000 coverage is recommended. 

Primarily covers defamation and copyright/trademark infringement. 

Coverage for injuries or property damage caused by products sold.  

Primarily covers data breach that results in a loss of confidential data as well as inadvertent transmission of malware.  Recommended if working with confidential data such as social security numbers or payment information.  

Covers mismanagement of benefits.  Would provide coverage if, for example, an employee holds the company responsible for a major medical expense they expected to be covered under the company health insurance plan.  

Covers claims of discrimination, wrongful discipline/termination, harassment, breach of (implied) contract, failure to employ or promote, deprivation of opportunity, and infliction of emotional stress made by employees.  Third-party coverage is available to cover claims of discrimination and harassment made by customers, vendors, etc.  Keep in mind that even if there is no basis for a claim, defending these claims can be expensive, and this coverage will pay defense costs.  

Washington is one of a few states where workers compensation insurance is provided by the state.  Although this covers employees when they are injured on the job, unlike coverage provided by private insurers, it does not offer coverage if employees hold your company responsible.  This could happen if the employee is not satisfied with the coverage provided by the state.  Employer liability (stop gap) coverage fills this coverage gap.  

Covers your company if held responsible for injuries or property damage sustained in an accident.  Hired auto offers coverage while driving vehicles that are borrowed or rented for company business, or paid for using company funds.  Non-owned auto offers coverage while employees (including owners) are driving their own personal vehicles for company business.