Manufacturing is a virtual sector of the Canadian economy. Light Manufacturers Advantage is made to protect manufacturers and assemblers of low to medium-hazard components and products.

Light Manufacturers Advantage is designed for:

• Consumer Products and Housewares
• Food Products
• Hardware and Plumbing Supplies
• Light Metal Workers
• Printers

Manufacturers need coverage that protects both the goods and produce and the equipment used in the manufacturing process. Light Manufacturers Advantage includes coverage for:

• Molds and Patterns
• Brands and Labels
• Upgraded Value on Specified Equipment
• Products Recall
• Professional Fees
• Exhibition Floater

Depending on your operations, some businesses may require finishing touches to their policy.
Additional coverage is available for:

• Equipment Breakdown
• Printers Errors and Omissions
• Transportation
• Umbrella Liability

Light Manufacturers Advantage is not designed for*:

• Acids, chemicals, or petrochemicals
• Aircraft, automobiles, buses, camper units, trucks, motorcycles, mopeds, ships, snow vehicles and trailers
• Animal feed
• Athletic protective equipment
• Firearms and fireworks
• Nonstandard business
• Pesticides, herbicides, insecticides or fertilizers
• Pharmaceuticals, drugs and patent medicines
• Recycling of paper, rubber and metals
• Wheel assembly, brakes and steering parts

*Contact our Account Managers for individualized quotation if your business is represented in this list.

Property	Coverage
Replacement Cost on Building and Equipment	Included
Blanket By-Laws	Included
Blanket Glass	Included
Debris Removal	Included
25% Peak Season Increase	Included
Accounts Receivable	$50,000
Valuable Papers and Records	$50,000
Fire Department Service Charges	$10,000
Computer Equipment	$50,000
Computer Media	$10,000
Computer – Breakdown	$10,000
Personal Property of Employees	$10,000
Outdoor Signs	$10,000
Professional Fees	$10,000
Exhibition Floater	$25,000
Transit	$10,000
Newly Acquired Buildings	$25,000
Contents at Newly Acquired Locations	$1,000,000
Sales Samples	$250,000
Courier or Parcel Post – Worldwide	$10,000
Consequential Loss Assumption	$10,000
Installation Floater	$10,000
Tool Floater	$10,000
Master Key	$5,000
Contents at Un-named Locations	$10,000
Fine Arts	$50,000
Molds and Patterns	$50,000
Brands and Labels	$50,000
Upgraded Value on Specified Items	$50,000

 

Crime	Coverage
Employee Dishonesty (Form A)	$10,000
Broad Form Money and Securities	$5,000
Money Order and Counterfeit Paper	$5,000
Depositors’ Forgery	$5,000

Liability

• Personal and Advertising Injury
• Internet Advertising Injury
• Trademark Infringement
• Products and Completed Operations
• Employees as Additional Insured
• Occurrence Basis Property Damage
• Broad Form Property Damage
• Blanket Contractual Liability
• Contingent Employers Liability
• Non-Owned Watercraft (under 8 metres)
• Incident Medical Malpractice
• Incidental Acts for the Protection of Persons and Property
• Products and Completed Operations
• Limited Worldwide Liability
• Automatic Coverage on Newly Acquired Locations
• Tenants Legal Liability
• Attached Machinery and Equipment
• Cross Liability
• Medical Payments per Person
• Canadian Currency Clause
• Products Recall – Aggregate

Optional Coverages

• Business Interruption options including Profits, Gross Earnings, Rental Income and Extra Expense
• Equipment Breakdown
• Earthquake
• Flood
• Sewer Back-Up
• Miscellaneous Floaters Liability
• Printer’s Errors and Omissions
• Umbrella Liability
• Commercial Automobile

Request a no-obligation business insurance quote online or from an HS Financial Account Manager at 1-800-411-7979 to find out more.