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National
Ornamental & Miscellaneous Metals Association Business Insurance
Program
National
Ornamental & Miscellaneous Metals Association
Business
Insurance Made Simple
A Business
Owners Policy is very similar to a Homeowners Policy. It offers
great protection and is the most affordable way for businesses to
obtain broad coverage.
Pac Plus, Travelers Business Owners Policy, offers flexibility to
meet your specific insurance needs. Our Pac Plus series includes
insurance protection important to your office. A few of the many
coverages include:
- Business
Property
- Property
of Others
- Employee
Dishonesty
- Business
Income Interruption
- General
Liability
- Crime
Could
Your Business Survive a Million Dollar Lawsuit?
In today's
environment, a million dollar lawsuit is not uncommon. Companies
of all sizes are vulnerable to large lawsuits and judgments, and
the standard liability limit of a million dollars may not be enough.
Selling goods and services increases the likelihood of lawsuits
related to your products/services, customer injuries and automobile
losses. A Travelers Umbrella Policy is an affordable way to protect
your business from financial ruin. Can you afford not to be
covered?
The
Most Overlooked Coverage
Hired
and Non-Owned coverage is often overlooked. If you or your employees
rent vehicles or use personal cars for business use, you need this
coverage. Of course, if your business owns automobiles, you need Business
Auto Insurance.
Business
Auto Insurance
Provides
comprehensive liability protection including bodily injury, property
damage, medical payments and uninsured motorists as well as property
damage protection for fire, theft, vandalism and more.
For more than 135 years, Travelers has been a leading provider of
a full range of insurance products. We are a principal source of homeowners
and auto insurance for consumers, while also providing a broad range
of insurance for commercial markets, including workers' compensation
integrated disability, property, liability, specialty lines, surety
bonds, inland/ocean marine, and boiler and machinery.
The
Strength of Travelers
The
Travelers name represents service, stability and innovation
throughout the U.S. With over 130 years of experience and
an A++ rating for financial strength and claims-paying ability
from A.M. Best Company, Travelers is one of the nation’s
premiere insurance companies. |
METAL
MANUFACTURERS
Pac
Plus was designed especially for small to medium sized manufacturers.
But we know that metal manufacturers need more. So, in addition
to the automatic property and liability coverages we provide in
our "core" policy, Pac Plus for Metal Manufacturers provides:
-
Employee dishonesty, forgery or alteration are covered up to $10,000
each. (Higher limits are available.)
-
Theft of money and securities are covered up to $10,000. (Higher
limits are available.)
-
Sales representative’s samples are covered while in the
custody of your sales representative, or while in transit, up
to $25,000.
-
Business personal property at exhibitions, while temporarily on
display at a location you do not regularly occupy, up to $25,000.
-
Manufacturer’s consequential loss is covered up to $25,000.
-
Theft of patterns, dies, molds and forms up to $50,000.
-
Theft of gold, silver, platinum and other precious alloys or metals
used in manufacturing or processing your products is covered up
to $25,000
The
Coverages You Need
You’ve
made a considerable investment in your business and that investment
needs protection. We recognize your concern for the quality of your
products and the safety of your workers.
So,
whether you’re a a metal fabricator, a forger, or a machine
shop manufacturing parts, Pac Plus for Metal Manufacturers provides
the coverage you need.
Workers’
Compensation
Our
workers’ compensation program is designed to contain medical
costs and to return injured employees back to work sooner.
Products
Liability
Products
liability offers coverage for losses resulting from the use of your
products.
Property
Protection
is provided for the property which is essential to your operation
– patterns, dies, molds and machinery.
The
Options You Want
Pac
Plus provides broad property and liability coverages for your business,
but depending upon your circumstances, you may need more or different.
You can work with your independent agent to develop your own package
of options or add our Power Pac Plus endorsement to increase built-in
limits and add coverages. Whatever your choice, Pac Plus has the
flexibility to accommodate you and your business.
In addition,
your insurance protection can be rounded out with Travelers automobile,
workers’ compensation and umbrella policies.
The
Services You Deserve
24
Hour Claim Reporting
Travelers
is dedicated to providing prompt, fair claim service. And we put
help at your fingertips, 24 hours a day, with our toll-free claim
hotline. Call us when you need help filing a claim or when you want
to check the status of a pending claim. You’ll talk to a claim
professional who will answer your questions and provide the help
you need fast.
Report
A Claim 1-800-238-6225
Billing Plans
Reduce
your paperwork and smooth out your cash flow by using one of Travelers
easy payment plans. All the policies we write for your business
are billed in one simple and convenient installment payment plan.
Travelers has a long history of providing insurance services to
the businesses that form the foundation of our nation’s economy.
Today, as entrepreneurs work to transform American business, Travelers
works to meet their evolving insurance needs with innovative, competitively-priced
products. We invite you to find out how Pac Plus can save you money
and give you peace of mind.
We’ve been helping manufacturers like yourself protect against
financial loss since the early 1900s. Throughout that time, we’ve
developed a thorough understanding of their operations and insurance
needs – we’ve also come to recognize the marks of a
better-run manufacturer.
Better-run manufacturers look for opportunities to improve processes,
product quality and performance. As a result, they consistently
meet or exceed industry standards. And they’re focused on
worker safety, taking whatever actions are necessary to prevent
injuries. For those companies that go that extra mile, Travelers
is here.
POWER
PAC PLUS FOR MANUFACTURERS & WHOLESALERS
The
right insurance for your business at the right price. At Travelers,
you can have both. With the additional, expanded coverages provided
with Power Pac Plus, you receive superior protection for your business
in one comprehensive, affordable package.
Power
Pac Plus Delivers Extra Coverages with Built-In Savings
Today,
smart business owners look for the broadest range of property coverages
for the best value. Travelers Power Pac Plus endorsement, together
with Pac Plus, delivers that value. Power Pac Plus offers an array
of additional and expanded coverages that provide superior business
insurance protection. It includes 13 important additional coverages
and more than doubles the protection of 8 other coverages.
Power Pac Plus protects your business and delivers expanded comprehensive
coverages for a fraction of what you’d pay for separate policies.
These
are valuable coverages that offer real protection. Here are a few
examples of how they can work for you:
- Your
building burns down and, when rebuilding, you have to spend more
to comply with a local ordinance or law. Excluded under the standard
property policy, Power Pac Plus covers up to $25,000.
-
A fire occurs at a parts manufacturer that you rely on to manufacture
a component for your product. You are unable to continue production
until supplies can be replenished, resulting in a business income
loss. Excluded under the Business Owners Property policy, Power
Pac Plus covers Business Income from Dependent Properties up to
$25,000.
-
Your sales representative has some samples of your product stolen
from the employee's car while in transit from your building to
a potential customer. Excluded under the standard property policy,
Power Pac Plus covers up to $25,000.
If
purchased separately, these coverages could cost you hundreds of
dollars. And, if not purchased at all, it could cost you thousands
of dollars in loss or damage. With Power Pac Plus, the protection
is real and the savings are obvious.
Power
Pac Plus Delivers These Additional Coverages |
Accounts
Receivable
At described premises
In transit or home |
$25,000
$10,000 |
| Brands
and Labels |
$25,000 |
| Business
Computer and Media Coverage |
$25,000 |
| Business
Income from Dependent Properties |
$25,000 |
Exhibition
(BPP)
Each exhibition
In transit |
$25,000
$10,000 |
| Fine
Arts |
$10,000 |
| Fire
Protective Equipment Discharge |
$5,000 |
| Lost
Key Consequential Loss |
$500 |
| Ordinance
or Law – increased cost of construction |
$25,000 |
| Ordinance
or Law – increased period of restoration |
$25,000 |
| Sales
Representatives Samples |
$25,000 |
| Utility
Service – time element (24 hour deductible) |
$2,500 |
| Utility
Service – direct |
$2,500 |
| Power
Pac Plus Delivers These Expanded Coverages |
| |
Pac
Plus Limits
WITHOUT
Power Pac Plus |
Pac
Plus Limits
WITH
Power Pac Plus |
| Claim
Data Expense |
$1,000 |
$5,000 |
| Fire
Department Service Charge |
$1,000 |
$10,000 |
| Newly
Acquired Location – Business Income and Extra Expense |
$250,000 |
$500,000 |
| Newly
Acquired or Constructed Property – Building and BPP |
$250,000 |
$500,000 |
| Outdoor
Property |
$5,000 |
$10,000 |
Patterns,
Dies and Molds – theft limitation
For manufacturers
For wholesalers |
$50,000
$2,500 |
$100,000
$52,500 |
| Pollutant
Clean Up and Removal |
$10,000 |
$25,000 |
| Valuable
Papers – Cost of Research (includes $5,000 off premises
or transit) |
$1,000 |
$25,000 |
Note:
Business Income coverages, additions and extensions apply only when
Business Income coverage is included on the policy.
Put Power Pac Plus to work for you.
Ask your agent to add Power Pac Plus to your policy today!
For complete details on the NOMMA
program please call
Mickey Romeo, 800.242.9872 x 115
If
you would like to complete a
NOMMA Insurance Program Premium Indication Request Form,
please click here.
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