Coverage requirements

Converted Paper Product Manufacturers

Manufacturing & Industrial73% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Converted Paper Product Manufacturers program looks like

These manufacturers convert large industrial paper rolls and paperboard into finished consumer products such as toilet paper, tissue, and paper towels. Business interruption and equipment breakdown are the leading exposures, including difficulty replacing machinery and reliance on large amounts of complex equipment. Built for converted paper product manufacturers, this Advocate Standard profile benchmarks Auto Liability, General Liability, Pollution Liability, Worker's Compensation, Fidelity Bond, orienting limits, deductibles, and carrier-quality standards around the exposures that most threaten continuity.

Key takeaways

  • Spans 151 published requirements across 43 coverage type-peril pairs.
  • Applies to 2 asset types: Manufacturer, Manufacturing.
  • Covers 15 coverage types and 15 distinct perils.

At a glance

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Completion score

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9 of 43 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
Boiler & Machinery≥ Business Income Amount
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
Boiler & Machinery≥ RCV of Existing Structure / Insurable Value
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability7 coverage types

General Liability

Overall limit$4M
Assault & Battery$5M

Pollution Liabiltiy

Overall limit$1M

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Converted Paper Product Manufacturers

Every requirement in the Advocate standard, 151 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 151 matching · 151 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
Liability › General LiabilityGeneral Liability Aggregate Scaled to Annual SalesOverallLimitAllGeneral Liability aggregate limit must scale with the business's size: at least $4,000,000 in aggregate when annual gross sales exceed $10,000,000, and at least $2,000,000 in aggregate when annual gross sales are $10,000,000 or less.
Liability › General LiabilityGeneral Liability Aggregate Scaled to Annual SalesOverallLimitAllGeneral Liability aggregate limit must scale with the business's size: at least $4,000,000 in aggregate when annual gross sales exceed $10,000,000, and at least $2,000,000 in aggregate when annual gross sales are $10,000,000 or less.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
Liability › Pollution LiabiltiyPollution Liability Required for Hazardous OperationsOverallLimitAllOperations with hazardous materials or processes must carry Pollution Liability of at least $1,000,000.
Liability › Pollution LiabiltiyPollution Liability Required for Hazardous OperationsOverallLimitAllOperations with hazardous materials or processes must carry Pollution Liability of at least $1,000,000.
Liability › General LiabilityProducts / Completed Operations Coverage Required for ExportsOverallOtherAllManufacturers that export must confirm Products and Completed Operations coverage.
Liability › General LiabilityProducts / Completed Operations Coverage Required for ExportsOverallOtherAllManufacturers that export must confirm Products and Completed Operations coverage.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Boiler & Machinery LimitBoiler & MachineryLimitBlanketBlanket Business Income (Boiler & Machinery) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.

101 more requirements

Compliance

Who requires Converted Paper Product Manufacturers

  • Converted paper product manufacturers insurance is required by lenders and equipment financiers backing large amounts of complex conversion machinery that is difficult to replace, who demand property, equipment breakdown, and business income coverage with loss-payee status.
  • The heavy fire load and extended-downtime severity of converted paper producers factor prominently into how property carriers and their reinsurers underwrite the class.
  • Orchestrating the property, general liability, pollution, workers' compensation, and terrorism layers rests with the broker, while retailers, distributors, and commercial buyers require certificates naming them as additional insured before awarding supply contracts.
  • For investors reviewing a converted paper product manufacturer, these coverages are the evidence that business interruption, machinery, and wastewater exposures are transferred rather than retained.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place manufacturing & industrial coverage.

Exclusions

What Converted Paper Product Manufacturers does not cover

  • A converted paper product manufacturers program founded on property, general liability, and pollution still carries several excluded exposures.
  • General liability leaves the cost of a product recall unfunded.
  • Cyber coverage is absent.
  • Coverage for directors and officers liability, EPLI, and manufacturer's errors and omissions is not included.
  • Losses from gradual pollution and large-volume wastewater contamination may sit beyond the limited pollution wording.
  • Unless extensions are added, business income beyond the scheduled indemnity period, and contingent losses from a key supplier of parent rolls, may go uninsured.
  • Standard property wording ordinarily excludes or sublimits flood, earthquake, and full ordinance or law protection.

Risk advisory

Typical coverage gaps in Manufacturing & Industrial

Converted paper product manufacturers carry top-ranked business interruption and equipment-breakdown exposures, so downtime protection leads.

  • Because operations rely on large amounts of complex conversion machinery that is difficult to replace, extend the business income indemnity period, confirm equipment breakdown covers the full machinery schedule, and add expediting expense and contingent business interruption for parent-roll suppliers.
  • Property is a leading exposure driven by a heavy fire load and equipment that can overheat, so insure to full replacement cost and confirm no overheating-related conditions undercut the claim.
  • Pollution liability should be added to address the large quantities of wastewater generated.
  • Confirm workers' compensation limits for heavy machinery and chemical exposures.
  • Bring in cyber coverage for production controls and order systems, and confirm ordinance or law limits for code-driven rebuilds.

FAQ

Frequently asked questions

What insurance do converted paper product manufacturers need?

Converted paper product manufacturers need commercial property with high fire-load limits, business income with an extended indemnity period, equipment breakdown, general liability, pollution liability for wastewater, and workers' compensation. Because complex conversion machinery is hard to replace and downtime is costly, producers should confirm equipment breakdown limits and consider contingent business interruption and cyber coverage.

Why is business interruption the top exposure for converted paper producers?

Business interruption is the top exposure for converted paper product manufacturers because operations depend on large amounts of complex conversion machinery that is difficult to replace, so a loss causes extended, costly downtime. Producers should extend the business income indemnity period, add expediting expense, and confirm equipment breakdown to shorten recovery after a machinery loss.

Does converted paper manufacturer insurance cover equipment breakdown?

Converted paper manufacturer insurance covers equipment breakdown when the coverage is added and the full machinery schedule is included. Because production relies on large amounts of conversion equipment that overheats and is hard to replace, producers should confirm equipment breakdown limits, pair it with business income, and add expediting expense to reduce downtime after a failure.

Do converted paper producers need pollution coverage?

Converted paper producers need pollution coverage because production generates large quantities of wastewater, and general liability and property policies exclude pollution. Environmental impairment liability funds discharge cleanup, third-party claims, and regulatory defense. Producers should confirm the pollution limit reflects the high volume of process water and any chemical residues involved.

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About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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