Manufacturers Blueprint is an exclusive product designed to fill the gaps of a traditional commercial package policy.  This package policy provides a comprehensive combination of five distinct coverage parts: professional liability (E&O), pollution liability, product recall, employment practices liability, and warranty.  

Since the product launched in 2017, Manufacturers Blueprint has become the market leader for this coverage.

Coverages

Professional Liability (E&O)

• Third-party financial loss to customers due to flawed design, faulty manufacturing, inaccurate instructions, improper installation, inadequate training, etc.
Includes insuring agreement for breach of contract Broad definition of professional services Broad definition of wrongful act

Pollution Liability

• Third-party bodily injury, property damage and financial loss
• Insuring agreements include
  • Site pollution
  • Non-owned disposal sites
  • Transportation pollution
• Includes coverage for first-party business interruption loss and extra expense

Product Recall

• Includes both first-party and third-party triggers
• Includes pre-claim costs, defense expenses, crisis costs and actual damages
• First-party Business Interruption loss and Extra Expenses
• Broad definitions of “your product,” recall expenses, and recall event
• Sub-limited

Employment Practices Liability

• Host of traditional employment practices liability triggers Full limits of third-party coverage as standard Can include $100K wage & hour defense via endorsement
• Broad definitions

Warranty

• Fills gap between manufacturers E&O (third-party trigger) and product recall (first-party trigger)
• Cannot be written standalone
• Sub-limited
• Only available for select risks