MMA: Insurance & Benefits: Property and Liability

Insurance & Benefits

Property and Liability

Amerisure designed the Manufacturers Advantage Program (MAP) specially to protect manufacturing operations today and tomorrow by providing more coverage and higher limits at a competitive cost.

The benefits of Amerisure’s MAP to MMA members include:

More coverage than other insurance programs
Higher limits than other programs
Flexible programs designed to meet your specifications with the assistance of a knowledgeable local agent
Claims service that is second to none
An A.M. Best rating of “Excellent”
Superior Loss Control services to control costs
Industry-leading claims handling and cost-containment facilities

Amerisure’s MAP is second to none and far exceeds standard insurance programs, by covering the full extent of most manufacturers' commercial insurance needs:

General Liability
Automobile
Property/Casualty
Workers’ Compensation
Umbrella

Extending your General Liability Coverage

Designed to address the specific needs of manufacturers, this endorsement option represents one of the broadest coverages available. Some of the available coverage extensions include:

Property damage liability to cover personal property in your care, custody or control
Broadened insured provision designating vendors and licensors as insureds
Aggregate limits per location
Knowledge of occurrences
Waiver of subrogation

In addition, MAP offers a number of other optional Commercial General Liability (CGL) extension endorsements that can be added to your policy/coverage:

Product recall
Manufacturers/processors specifications expense reimbursement coverage
Expense indemnification for repair of products or services
Employee benefits liability coverage

Attractive Dividends

Amerisure has consistently paid dividends to group members whose experience has earned a payout. The MMA plan’s dividend adjustments are calculated using total group earned premiums and all losses — valued as of 12-, 24- and 36-months after the program year expiration date — for commercial package, commercial auto and workers’ compensation coverage.

Meeting Your Commercial Automobile Needs

Commercial Auto Broad Form Endorsement

MAP's automobile endorsement option provides up to 15 coverage extensions and additions most requested by manufacturers for commercial fleets, incluidng:

Broad form insured
Hired auto physical damage
Loan/lease gap
Rental reimbursement
Waiver of subrogation

Taking “Command” of Your Property Coverage

Amerisure’s MAP Property extension endorsement provides coverage enhancements that are designed to address the specific needs of manufacturers. Alternatively, Amerisure’s comprehensive COMMAND program far exceeds standard policies by providing expanded manufacturer’s output commercial property and business interruption coverages.

Building Property covers additions, permanent fixtures, machinery and equipment, maintenance equipment and buildings under construction. Plus, COMMAND insures areas that are not covered by standard insurance policies such as glass, towers, signs and antennas.
Personal Property covers tenants’ improvement and leased personal property as well as computers, mobile equipment, installed property and property of others.

For more information, please contact MMA Insurance & Benefits at 800-842-6513.

Locate an Amerisure Partner Agency near you.

How do MMA’s insurance dividend programs work?

MMA offers a dividend program on its workers’ compensation and commercial package policies through Amerisure. Each year, depending on market conditions and plan experience rates, dividends may be issued to plan participants based on earned premium. Payouts of $800,000 were made in 2001, and total more than $17 million over the past 11 years. Commercial package dividends have averaged 14%, and workers’ compensation 9%, for the 15 years the program has been in effect.

What does MMA do to keep insurance rates down?

The group buying power of nearly 3,000 companies means that members of MMA can take advantage of more competitive insurance programs and rates. MMA, in partnership with its service providers, works to hold rates as low as possible through excellent program management and aggressive loss control initiatives. MMA’s life insurance program rates, for instance, have not increased for the past 14 years.

Copyright © 2008 Michigan Manufacturers Association
620 South Capitol Avenue • P.O. Box 14247 • Lansing, MI 48901-4247 • View map
517-372-5900 • 800-253-9039 • Fax: 517-372-3322 • E-mail: ask@mma-net.org

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Insurance & Benefits

Property and Liability