Custom Insurance

Skinner Insurance Managers specializes in developing custom insurance solutions for business. The following examples illustrate the scope of our expertise in this area. Contact us for more information!

Truck Depreciation Coverage
Truck Depreciation Coverage was developed as a private-label program for a major truck manufacturer to be sold exclusively in their dealerships. This form of coverage helps offset the difference between the original cost new of a vehicle and the actual cash value at the time of loss. Coverage is available only on new units as a five-year pre-paid policy. It is triggered by a total loss of the unit.

Equipment Maintenance Insurance
Equipment Maintenance Insurance (EMI) has been extensively used by hospitals and large, commercial property holders. EMI aggregates all the service contracts for a client's equipment (HVAC, electronics, etc) and allows the client to budget all such contracts — usually with a minimum savings of 10% relative to contracting separately. The client then uses the same providers, only using them on a time and material basis.

Trade Disruption Coverage
Trade Disruption is a customized form of contingent insurance coverage. Coverage is triggered by events outside the control of the insured. Policies vary from loss caused by a convention cancellation due to weather, disease, or airport closing, to loss/extra expense caused by inability to source critical component parts due to a fire in a supplier's plant, political unrest, shipping problems, etc. Trade Disruption Insurance can help put stability in your plans when traditional insurance simply will not address the issue.

Contact us for more information on custom insurance programs for business.

Contact us for more information on extended warranty programs.