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High Hazard Primary & Excess (MPW)

The Manufacturing, Processing & Warehousing (MPW) program, offered by Ethos Specialty, focuses on property protection for this niche part of the market. Ethos Specialty can offer primary and excess solutions across a broad spectrum of industries including high hazard.

Key Facts

High Hazard Primary & Excess (MPW)

Target Classes:

  • Wood Workers
  • Recyclers
  • Plastic Workers
  • Produce Packers
  • Cement Plants
  • Food Processors & Distribution
  • Vacant Structures
  • Metal Working and Machine Shops
  • Other Medium to High Hazard Manufacturing Occupancies

Policy Type:

  • All risks including or excluding flood & earthquake

Total Insured Value:

  • Up to $1B

Limits:

  • Primary = Up to $2.5m
  • Excess = Up to $5.0m
  • Not to exceed 50% layer participation

Ineligible Perils:

  • Earthquake
    • No coverage available in CA, AK, HI, PNW and New Madrid
  • Wind
    • Tier 1 Windstorm Counties from TX to VA
    • No wind coverage available in FL
  • Flood
    • FEMA Special Flood Hazard Areas

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© Ethos Specialty 2023

The information contained herein is offered as insurance Industry guidance and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. Statements of coverage availability and scope are general in nature, subject to change and underwriting of any individual risk, and provide no guaranty or warranty of coverage, express or implied. The precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. Insurance brokerage and related services are provided by Ethos Specialty Insurance Services LLC (California License No. 0M29989). The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.