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General Manufacturing

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Manufacturers of all types share both common and unique risks. Maximum protection at the lowest cost results from a combination of the correct insurance coverages and the mitigation of risk.

It starts with a hands-on, in depth understanding of an individual business, and depends on an insurance agent’s ability to analyze situations, to see what others miss or ignore, and culminates in the creative design of custom insurance programs.

Essential coverages

  • Product recall
  • Errors & omissions
  • Cyber liability
  • Utility Service direct damage & Business income
  • Business interruption including overhead lines
  • Machinery & equipment manufacturers with off-premises installations
  • Worldwide products and general liability
  • Employment practices liability
  • Earthquake and flood

Critical issues

  • An ongoing professional loss control process
  • A system for reducing employee turnover
  • Risk transfer: requesting certificates and named as additional insured by suppliers and vendors

Questions insurance agents often fail to ask

  • Has there been a property appraisal on your building and equipment in recent years?
  • If a key piece of equipment or machinery were damaged, how quickly can you replace it?
  • Do you have a contingency plan in place for other manufacturers to produce your product if necessary?
  • What are the gaps in your coverage? Could you survive a $500,000 or $1,000,000 uninsured claim?
  • What do you know about cyber liability?

Rueter Insurance assurance

Our approach is based on avoiding unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this objective through attention to detail, asking the right questions, and marketing your account to insurance companies that respect quality work.

A client tells the story

“Joe’s the smartest insurance agent out there.”

We’ve been with Joe Rueter for 20 years. In our first year, he improved our coverage, while saving us $30,000. Joe is the smartest insurance agent out there. An experienced underwriter, he understands the nuances of insurance.

Joe’s insurance expertise became crystal clear when our new, second manufacturing facility was totally destroyed by fire. We were completely covered since Joe had designed the policy to blanket both buildings and with no co-insurance. Without that, we could have been out of business. It was a far less painful experience, thanks to the way Joe handled it.

– Jim Gill, President, Gill Powder Coating, Inc., Bensalem, PA

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