Manufacturing Insurance Program from Citadel Insurance Services
Citadel Insurance Services places hard-to-insure manufacturing accounts through a dedicated Manufacturing Insurance Program tailored for independent agents and brokers. As a Managing General Agency (MGA), we leverage broad carrier relationships to provide creative solutions for niche, high-liability, and emerging manufacturing operations. Whether the client is a small startup or an established producer, our underwriters work with you to align coverages to the account’s unique exposures.
Ideal Accounts and Appetite
We write a wide range of manufacturing classes, including accounts that are often difficult to place. Target classes include:
- Consumer products and small appliances
- Recreational and sporting goods
- Life science and nutraceutical manufacturers
- Dietary supplements and nutraceuticals
- Children’s products and toys
- Marine and electrical products
- Plastics, chemicals, and component suppliers
- Fireworks, pyrotechnics, and other high-liability items
Typical fits include manufacturers with complex product liability exposures, accounts that source components globally, and firms with specialized processes or small-batch production. We are also comfortable reviewing accounts with prior claims or loss history that other markets have declined.
Example scenarios you might place with this program:
- A small nutraceutical manufacturer launching a new supplement line that needs product liability and completed operations limits to support retail distribution.
- A regional maker of recreational equipment with unique components sourced overseas seeking GL, product liability, and equipment coverage where admitted options are limited.
Coverage Highlights and Advantages
Citadel’s manufacturing markets provide a full package of coverages designed for product-centric risks:
- General Liability tailored for manufacturing operations
- Product Liability and Completed Operations
- Property coverage for manufacturing facilities and equipment
- Excess Liability / Umbrella solutions
We work with multiple admitted and non-admitted carriers so you can secure the right combination of price, capacity, and terms for each account. Our markets can accommodate international distribution risks and component-sourcing exposures when required.
Underwriting Notes and Minimum Premiums
Underwriters at Citadel focus on pragmatic placement—assessing operations, controls, distribution channels, and claim history to determine appropriate terms. Minimum premiums start at $2,500, with final pricing dependent on risk characteristics, limits, and coverages selected. Provide detailed product descriptions, production volumes, distribution territories, and loss runs to speed placement.
Territories and Availability
The program is available across the United States, including all 50 states and Washington D.C. Some markets are offered on an admitted basis depending on the state and product class; for more complex or high-exposure risks we can place coverage non-admitted when necessary. We’ll help you identify the best admitted or non-admitted option for your client’s jurisdiction and operations.
Why Work with Citadel Insurance Services?
As an MGA, Citadel combines underwriting expertise with access to diverse carrier capacity. Agents benefit from:
- Underwriting focus on manufacturing and product liability exposures
- Flexible placement options across admitted and non-admitted markets
- Responsive quoting and tailored coverage structures for hard-to-place risks
- Support for accounts with prior claims or unusual product lines
We partner with agents to grow manufacturing business by finding markets that will write complex or niche accounts. If you have a manufacturing risk that other carriers have declined or quoted restrictively, Citadel can often provide alternative solutions.
Please contact us for more information on our Manufacturing Insurance program!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well-suited for manufacturers of consumer goods, dietary supplements, recreational products, chemicals, and other niche or high-liability products—including accounts that have been hard to place elsewhere.
Are admitted markets available through this program?
Yes. Some admitted markets are available depending on the state and product class. For more complex risks or where admitted capacity is limited, we can access non-admitted markets.
What is the minimum premium for this program?
Minimum premiums start at $2,500. Final premium depends on the account’s exposures, limits, and coverage selections.
Can this program handle manufacturers with prior claims?
Yes. Citadel specializes in hard-to-place risks and frequently reviews accounts with prior losses; eligibility depends on the details of the loss history and current risk controls.
Which states is the program available in?
The program is available in most states across the U.S., including all 50 states and Washington D.C. Availability of admitted markets will vary by state and class.
Need help placing an account? Connect with a market specialist.