In the metalworking & plastics industries, custom manufacturers often must gauge their tolerances by 1/1000^th’s of an inch. These are the same qualities they need in insurance coverage… coverage as precise as the parts they are making for others.

At Smith, Bell & Thompson, we understand their business. After all, we have underwritten and marketed custom insurance for the metalworking & plastics industries for many years.

Our program is based on the careful study of these specialized industries and is insured through a national insurance carrier rated A by A.M. Best.

Whether you’re looking to cover a custom precision machine shop in New York, a metal finisher in Michigan, or an injection molding operation in California, we have a policy that's just right for you.

This comprehensive program offers your clients affordable pricing and convenient payment terms. A simplified outline of the program follows:

Some Types of Businesses We Insure

• Custom Machining Operations
• Metal Finishers
• Machine Parts Manufacturers
• Plastic Injection Molders
• Distributors of Metalworking and Plastic related products

Carrier

• A.M. Best A Admitted Carrier

Available Coverages

• Property (Special Property Form or Commercial Output Policy)
• General Liability
• Crime
• Inland Marine
• Commercial Umbrella
• Commercial Auto
• Stop Gap Liability

Some Automatic Package Policy Features

• Data Processing Media Coverage up to $25,000
• Valuable Papers: $25,000
• Accounts Receivable: $250,000
• Property of Others Valued at Replacement Cost
• Off-Premises Utility Failure (Direct Property Damage): $100,000
• Product Recall: $50,000
• Flood & Sewer Back-up: $100,000
• Tenants Legal Liability: $300,000
• Patterns & Dies: No Theft Sublimit
  $25,00 Marring & Scratching Coverage
• Blanket additional Insured if Required by Written Contract
• Mechanical Breakdown
• Employee Benefits Liability

Optional Coverage Outside the Program

• Worker’s Compensation

Where is the program available?

• The program is written nationally

Submission Requirements

In order to provide you with the fastest response time, please include:

• Acord Applications
• SB&T Metalworking & Plastics Supplemental Application
• Metalworking/Plastics Distributor or Electroplater/Metal Finisher Specialty application if applicable
• Prior Premium and Loss Information for all lines (3 years minimum)
• Experience Modification Worksheets (Worker’s Compensation)
• Brochures or Product Descriptions

For additional information, please contact: Doug Grahn, Director of Marketing dgrahn@sbtinsurance.com

Note: Policy coverages, terms and conditions can be only briefly described on the Smith, Bell & Thompson website and may vary by state. For complete provisions and exclusions, please refer to actual policies.