Espinosa Insurance Services
Manufacturing Insurance
Established in 2005, Espinosa Insurance Services, is a multi-line insurance agency, providing personalized insurance coverage for families and businesses, throughout the Southwest. We represent some of the finest insurance carriers in the nation, and pride ourselves in providing courteous and professional service.
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Typical Manufacturing Coverage Summary
Property Coverages Basic Package Limits Enhanced Package Limits
Business Personal Property (BPP) Min. $25,000 Min. $25,000
Business Income 18 months - actual loss sustained 18 months - actual loss sustained
Business Income 72 Hour Buyback Premier only Included
Accounts Receivable $5,000* $25,000*
Back-up of Sewers or Drains Optional $10,000*
Brands and Labels Premier only Included
Claims Expense Control $1,000 $5,000
Combined Building and Personal Property Limit Maximum of $10,000,000 per location Maximum of $10,000,000 per location
Computer Equipment $5,000* $25,000*
Crime Conviction Reward $5,000 $10,000
Customers Property at Replacement Cost N/A $10,000
Debris Removal $10,000* $10,000*
Equipment Breakdown N/A Included
Fire Department Service Charge $1,000 $5,000
Fire Extinguisher Recharge $2,500 $5,000
Increased Cost of Construction $5,000 $5,000
Lock Replacement Coverage $100/$5,000 $100/$5,000
Newly Acquired Buildings $250,000 $500,000
Newly Acquired BPP $100,000 $250,000
Outdoor Signs $2,500* $25,000*
Personal Property Off-Premises $5,000* (over $100,000 SFA) $25,000*(over $100,000 SFA)
Pollutant Cleanup > $10,000* $10,000*
Premises Boundary 100 feet 1,000 feet
Preservation of Property 30 days 60 days
Seasonal Automatic Increase – BBP 25% 25%
Spoilage / Temperature Change Premier only $25,000*
Tenants Glass Optional Actual Loss
Theft Limitation – Bullion/Precious Metals $2,500 $10,000
Theft Limitation Patterns & Dies $2,500 BPP Limit
Trees, Shrubs & Plants $500/$2,500* $500/$2,500*
Utility Services – Time Element Premier only $10,000*
Valuable Papers and Records $5,000* $25,000*
Crime Coverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $5,000* $10,000*
Money and Securities - Inside/Outside $5,000/$5,000* $10,000/$10,000*
Forgery and Alteration $2,500 $10,000
Money Orders & Counterfeit Paper Currency $1,000 $10,000