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For metalworkers
Our program is tougher than steel
Our Commercial Output Program for metalworkers is geared to machine shops, tool and die
shops, sheet metal shops, machinery manufacturers and other metalworking industry
operations. This program is designed to cover you from any angle, starting with the
special coverages you need for your business, plus you can add plenty of optional
coverages and related life insurance protection. The result is a unique business owners
package that is very good for your business.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Harleysville’s Metalworkers Program includes exceptional built-in coverages,
coverage extensions and higher limits, along with blanket coverage for buildings and
business property. Also, with lower package modification factors, we have more flexibility
to offer special discounts and credits, and to customize coverage for our customers.
What does this program protect? Plenty! For example, we cover:
- Patterns, dies, molds and forms
- Marring and scratching of expensive dies, molds and forms
- Precious metals
- Pollutant cleanup and removal
- Property of others
- Products liability
- Backup of sewers and drains
- Foundations, retaining walls and underground pipes
- Underground water seepage
- Property in transit
- Broadened computer coverage
- Property at other premises
- Plus many other exclusive and expanded coverages
We offer over 35 options to help you customize your insurance program, including:
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners and the future of your operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employee dishonesty With your choice of limits per occurrence.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our special program for metalworkers? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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