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Errors or Omissions (E&O) for Manufacturers
Errors or Omissions (E&O) Insurance
At Chubb, we are committed to serve manufacturers and ensure they are adequately protected from the risks associated with actual or alleged product or service defects, deficiencies, inadequacies or dangerous conditions. That’s why we developed a simple, standardized endorsement which adds Errors or Omissions liability insurance to a manufacturer’s General Liability policy with a focus on ease of business.
Errors or Omissions (E&O) insurance plays a critical part in protecting a manufacturer’s balance sheet by responding on a manufacturer’s behalf to third-party claims alleging financial or economic injury. It is also offered as part of Chubb Assembly, a solution which offers scalable insurance enhancements and modular, liability-driven insurance solutions, specifically for the manufacturing industry.
Gaps in General Liability Coverage
- Claims arising out of damage to and/or loss of use of intangible property are not covered
- No cover unless the manufacturing defect results in bodily injury or property damage
Coverage Highlights
- Dedicated limit of insurance for E&O, available from as low as USD100,000
- Flexibility to offer coverage on full range or selective insured products and services
- Claims made coverage trigger
- Insurance written specifically with the needs of manufacturing companies in mind
- Pays on behalf of the policyholder (vs reimbursing)
- Deductibles available as low as USD100,000
Claims Scenarios
A claim was made by a shipping company against a manufacturer of an integrated temperature monitoring “solution” used to monitor the temperature of cargo while in-transit. The shipper alleged that the in-transit temperature monitoring “solution” did not accurately record temperatures at established intervals, thereby leading to a wholesale grocery distributor rejecting a load of perishable goods.
A claim was made by retailers against a costume jewelry manufacturer that failed to comply with labeling requirements of consumer product safety laws. The retailers incurred costs to remove the non-compliant product from their shelves, and also lost revenues.
Several large distributors filed claims against a manufacturer of conveyor systems, alleging that such systems were defective, resulting in additional costs, late deliveries and lost income.
In an initial effort to capitalize on the “Internet of Things,” an advanced manufacturer embedded sensors into automated processes that provided real-time data on production output. Unfortunately, a flaw in the software controlling the sensors enabled an unauthorized user to access the data. Several end users of the sensors filed a lawsuit against the manufacturer for damages sustained from the unauthorized access.
A claim for compensation is made against a manufacturer of custom bolts by a farm equipment manufacturer for their failure to fulfil a client’s contract. A raw material supplied to the bolt manufacturer by a third party was found to be defective, rendering the bolts unsafe. The farm equipment manufacturer couldn’t use the bolts and terminated the supply contract with the bolt manufacturer.
A claim is made against a machinery manufacturer for loss of production time during a processing line outage. The machinery manufacturer was performing a routine maintenance visit for a product sold to their client. Whilst modifying the equipment, it resulted in slower than expected production speeds and subsequently lower output capacity.
The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the policy wording for exact terms, conditions and exclusions. The above information shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong SAR. For further information, please contact Chubb Insurance Hong Kong Limited on +852 3191 6800.
Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.
The claim scenarios described here are hypothetical and are offered solely to illustrate the types of situations that may result in claims. These scenarios are not based on actual claims and should not be compared to actual claims. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.