Programs

Manufacturing

Factories and plants throughout NAICO’s area are faced with exposures to risk, some of which are unique to specific classes of business and require a specialty insurance program. We offer multiple insurance products tailored to your specific business.  Combining underwriting imagination with quality loss control programs can generate a program for your business that is second to none. As an insurance company that prides itself on underwriting ability, we are willing to review virtually any manufacturer that has a light products exposure. We define light products exposure as those manufacturers that make products without an inherent severity exposure. We feel this provides our agents with a truly unlimited opportunity of eligible classes of business available for quotation.

Preferred Classes of Business

Because of our opportunistic nature, we look at insuring virtually any class of manufacturer that is not specifically ineligible for this program. Undesirable classes are those manufacturing companies that make certain products that are directly used by the general public such as helmets, safety equipment... We are not a market for heavy products exposure such as automotive and aircraft related operations, explosives or munitions manufacturers, etc. If given the opportunity to review and underwrite your business, we can quickly determine if your risk is acceptable for our program.

Coverages Offered

Property Coverage
Additional Coverage Extensions Available - including business interruption with off-premises power failure.

General Liability
Retrospective rating and large deductible plans available

Workers Compensation
Managed care options   (as allowed by statutes)  
Aggressive fraud investigations  
Retrospective rating and large deductible plans available

Boiler and Machinery Coverages

Crime Coverage

Auto Liability & Auto Physical Damage
Retrospective rating and large deductible plans available

Umbrella
High limits available 

If you feel that your manufacturing operation is in need of a thorough review, please locate one of our agents under our agent locator to receive a quote. If you are an independent agent interested in a contract, contact our marketing department under our contact us section.