Ideal Accounts and Appetite
CoverX Specialty is an excellent market for clients involved in manufacturing, distributing, or importing a wide range of products—especially those with moderate to high hazard exposures but low claims frequency. This includes industries such as industrial equipment, tools, machinery, automotive parts, and consumer products (excluding the ineligible classes listed below). You might have a client manufacturing metal components, or an importer of home improvement tools—these are examples of accounts that could be a strong fit for this program.
Ineligible Products:
• Critical aircraft products
• Latex gloves
• Tobacco products
• Nuclear-related products
Coverage Highlights and Advantages
The Manufacturers Insurance program from CoverX Specialty provides broad and flexible coverage options, including:
- Primary general liability limits of $1,000,000 per occurrence / $2,000,000 aggregate
- Umbrella or excess liability limits available up to $10,000,000
- Coverage written on a claims-made or occurrence basis
- Options for self-insured retentions and deductibles
- Discontinued products liability coverage
- ISO-based forms with manuscript endorsements available for customized needs
Underwriting Notes and Minimum Premiums
CoverX Specialty focuses on quality risks with sound risk management practices. While minimum premiums vary depending on the account size and exposure, the absence of strict minimum premium thresholds allows for greater flexibility in underwriting smaller accounts. Submissions that include detailed product descriptions, safety protocols, and loss history will receive the most efficient review.
Territories and Availability
This program is offered on a non-admitted basis and is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With CoverX Specialty?
CoverX Specialty combines underwriting expertise with access to a wide array of carriers to provide tailored solutions for manufacturers and related businesses. Their ability to handle both complex and smaller accounts—without rigid premium requirements—makes them an excellent partner for agents and brokers seeking flexible and responsive markets. Whether you're trying to place a startup manufacturer or a mature operation with evolving product lines, CoverX Specialty can help you find the right coverage solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for manufacturers, distributors, and importers of moderate to high hazard products with low claims frequency. Examples include metal goods, machinery, tools, and consumer products (excluding prohibited classes).
Are smaller accounts eligible?
Yes, CoverX Specialty accepts small accounts and does not impose minimum premium thresholds, making it a great option for underserved risks.
What coverage limits are available?
The program offers primary limits of $1M/$2M and umbrella or excess liability limits up to $10M.
Is the program available in my state?
The program is available in most states across the U.S., including CA, TX, NY, FL, and many others. See the full list above for specific availability.
What are the ineligible product classes?
CoverX Specialty does not write coverage for critical aircraft parts, latex gloves, tobacco, or nuclear-related products.
Need help placing an account? Connect with a market specialist.