Wholesaling Insurance

Overview — Citadel Insurance Services: Wholesaling Insurance

Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks.

Target Classes and Ideal Accounts

This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include:

• Recreational products distributors
• Consumer goods wholesalers
• Life science product importers
• Automobile performance parts suppliers
• Chemicals and industrial supplies
• Plastics and molded components
• Electrical products and components
• Cleaning products and janitorial supply distributors
• Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures

Coverage Highlights and Advantages

Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect:

• Access to multiple carrier markets and appetite flexibility for hard-to-place classes
• Placement options that include admitted and non-admitted carriers (some admitted markets available)
• Underwriters experienced in product stewardship, traceability, and third-party testing exposures
• Ability to handle complex distribution chains, private label arrangements, and importation risks

Underwriting Notes and Minimum Premium

To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms.

Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history.

Appetite and Common Restrictions

Good fits:

• Wholesalers and importers with diversified product lines and established quality controls
• Accounts needing product liability wrap for private label operations
• Distributors seeking completed operations coverage for installation or repair services

Not typically a fit:

• Retail storefronts that sell directly to consumers (unless packaged with wholesale operations)
• High-hazard chemical manufacturers without documented controls or significant loss history
• Accounts with unresolved or frequent product recalls without corrective action plans

Territories and Availability

Available in the following jurisdictions: 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, WY. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction.

Why Work With Citadel on Wholesaling Insurance

As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline.

Example Scenarios

• You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls.
• A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability.