Independent agents and brokers looking to place manufacturing and distribution risks can rely on Ck Specialty Insurance Associates, Inc. for broad market access, experienced underwriting, and top-tier carrier options. As a Western-based, family-owned MGA and surplus lines broker, Ck Specialty delivers tailored insurance solutions for a wide range of manufacturing and distribution clients — with focused support for agents writing business in Arizona, Nevada, and Oregon.
Program Overview
The Manufacturers & Distributors Insurance Program is built to help you address complex product, premises, professional, and environmental exposures across production and distribution operations. The program places business with A-rated domestic and London-based carriers, and offers both in-house binding authority and broader brokerage market access — giving you flexible options for standard and more-challenging risks.
Ideal Accounts and Appetite
Ck Specialty underwriters have a wide appetite across manufacturing and distribution classes. Typical targets include:
- Machinery & equipment manufacturers
- Chemical and ingredient distributors
- Electronics and component producers
- Clothing, apparel and textile manufacturers
- Pharmaceuticals and nutraceutical producers
- Medical device manufacturers
- Food & beverage product distributors
- Cosmetics and beauty product lines
- Children’s and infant goods manufacturers
- Automotive parts suppliers
- Wood, metal, and animal-product manufacturers
You might have a client launching a contract electronics line with international components or a regional food distributor needing product liability and inland transit coverage — both are examples of accounts this program is structured to place.
Coverage Highlights and Advantages
The program provides broad cover options to address common manufacturing and distribution exposures. Available coverages include:
- General Liability (including Product Liability)
- Excess Liability
- Property Coverage
- Professional Liability (E&O)
- Directors & Officers Liability (D&O)
- Employment Practices Liability
- Pollution Liability
Access to over 40 markets — including domestic and London capacity — lets you tailor limits and terms to an account’s size and risk profile. In-house binding authority shortens turnaround on many submissions, while brokerage placements expand capacity for complex or higher-limit needs.
Underwriting Notes and Minimum Premiums
Ck Specialty works with both binding authority and brokerage markets to place standard and hard-to-place risks. Minimum premiums start at $500, making the program accessible to small and mid-sized accounts. Typical underwriting considerations include product toxicity, manufacturing processes, quality control, distribution channels, and prior loss history.
Territories and Availability
This program is available to licensed retail agents placing business in Arizona, Nevada, and Oregon. All business under this program is placed on a non-admitted basis with A-rated domestic and London-based carriers.
Why Work With Ck Specialty Insurance
Ck Specialty combines regional focus with deep E&S market relationships. As a family-owned MGA and surplus lines broker, they emphasize responsive underwriting, practical placement solutions, and broad carrier access so you can get accounts bound quickly and competitively. Their team is experienced with the nuances of manufacturing and distribution risks — from product contamination exposure to supply-chain transit liability.
Manufacturers & Distributors Insurance
Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA.
Ck Specialty Insurance: Opening market doors…for you.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits manufacturers and distributors of machinery, chemicals, electronics, pharmaceuticals, food & beverage, cosmetics, and similar product lines — from small manufacturers to regional distributors.
What is the minimum premium for this program?
Minimum premiums start at $500, making the program suitable for smaller to mid-sized operations as well as larger accounts where broader capacity is required.
What states is this program available in?
This program accepts business placed by agents for risks located in Arizona, Nevada, and Oregon.
Are the carriers admitted or non-admitted?
All business placed through this program is written on a non-admitted basis with A-rated domestic and London-based carriers.
Does Ck Specialty have in-house binding authority?
Yes. Ck Specialty offers both in-house binding authority for eligible risks and broader brokerage market access when additional capacity or specialized terms are needed.
Need help placing an account? Connect with a market specialist.