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Koff Computers is a publicly-owned corporation that manufactures specialized microcomputers that are used in healthcare. Koff is situated at a single location in the San Francisco Bay Area. This location is considered to be completely safe from flooding. Koff employs software engineers with unique skills that are critical to the business and in high demand in the industry. The lead engineer is especially important to Koff's operations and the company is seeking ways to better structure its compensation packages to attract and retain engineering talent.

Koff purchases the raw materials and preassembled components needed to make its computers from several suppliers. However, the patented microprocessors used in all of Koff's computers are supplied by a single firm located in Massachusetts. Incoming materials are ordinarily shipped by common carrier under FOB Point of Origin selling terms.

One stage of Koff's manufacturing process is performed by an independent contractor at a nearby location. Using its own trucks, Koff transports its goods in process to the independent contractor's premises, where the goods remain for approximately one week. The contract between Koff and the independent contractor relieves the contractor of any responsibility for damage to Koff's property. When the contractor's work is completed, the goods are returned to Koff's plant using Koff's trucks.

Koff has several underground storage tanks containing various hazardous substances needed for manufacturing operations. Disposal of hazardous waste from Koff's plant is handled by a licensed independent contractor.

Because of erratic demand for its products, Koff's inventories of stock in process and finished goods have fluctuated greatly over the past year. Currently, Koff's inventory of finished goods is so high that many production workers have been laid off.

Koff's main channels of distribution are through department and discount stores. Sales to these channels are handled by several sales representatives employed by Koff. The sales reps use either their own cars or short-term rental cars for business transportation to customers' locations. Koff ships merchandise to its customers under FOB Destination terms.

All Koff employees are covered by the same very basic group life ($10,000 term life) and health (ACA-compliant but for the employee only and not including additional family members) insurance plans and by a single retirement plan (DC plan with no employer match) that applies uniformly to all employees. Koff feels that its current benefit plans are not very competitive. All of the plans are administered by Koff.

Koff's current property and liability insurance program includes the following coverages:

Building and Personal Property Coverage Form with Replacement Cost and Inflation Guard Coverages and a Causes of Loss-Special Form

Business Income Coverage Form (And Extra Expense) with Causes of Loss-Special Form

Commercial Crime Coverage Form (insuring agreements 2, 3, and 4 - Forgery or Alteration, Inside the Premises - Theft of Money and Securities and Inside the Premises - Robbery or Safe Burglary of Other Property)

Sign Coverage Form

Accounts Receivable Coverage Form

Valuable Papers and Records Coverage Form

Electronic Data Processing Equipment Policy covering all hardware, software, data, and extra expense

Commercial General Liability Coverage Form (occurrence version) with $2 million aggregate limits and $1 million each occurrence limit

Business Auto Coverage Form with symbol 2 for Liability Coverage, with a $1 million each accident limit; symbol 2 for Collision, Comprehensive, Medical Payments, and Towing Coverage; and symbol 5 for Uninsured/Underinsured Motorists

Workers' Compensation and Employers Liability Policy covering employees in all states of operation.

Question: Koff wants to improve its insurance program for its property and liability loss exposures described above. Recommend specific forms, endorsements, or other policy modifications for improving Koff's insurance. Pay special attention to any gaps in coverage terms or levels of coverage that you identify in its current program.

Thank you.