Overview of the Program From Ck Specialty Insurance
As a family-owned and operated MGA and Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. brings deep underwriting expertise and broad market access to support your manufacturing and distribution clients. Through our Manufacturer's & Distributor's Insurance Program, we help retail agents place complex and specialty risks in a wide range of product sectors.
We specialize in helping you navigate hard-to-place or emerging risks with tailored solutions from A-rated carriers. Our wholesale relationships span more than 40 markets, including both domestic and London-based options, allowing us to provide flexible terms and competitive pricing for your clients.
Ideal Accounts and Appetite
This program is well-suited for a diverse range of manufacturing and distribution clients, including but not limited to:
- Pharmaceutical and Nutraceutical manufacturers
- Medical device producers and distributors
- Machinery, electronics, and automotive parts suppliers
- Cosmetics, food & beverage, and ingestible product companies
- Infant and child product manufacturers
- Firms involved in e-cigarette or vaporizer production
If you’re working with a distributor of imported consumer electronics or a manufacturer of private-label cosmetics, this program is designed to handle their unique liability exposures.
Coverage Highlights and Advantages
Through this program, you can provide your clients with comprehensive protection that addresses the full spectrum of operational and product-related risks. Key coverage options include:
- Product Liability – critical for manufacturers and importers
- Pollution Liability – for chemical, industrial, or food-related operations
- Professional and D&O Liability – for companies offering design, consulting, or executive services
- Employment Practices Liability – for HR-related exposures
In-house binding authority allows for quicker turnarounds on qualified risks, helping you respond faster to client needs.
Underwriting Notes and Minimum Premiums
We accept a wide range of risk classes and sizes, with minimum premiums starting at just $500. All carriers are A-rated or better by AM Best, ensuring your clients receive quality coverage backed by financial strength. Our underwriting team takes a collaborative approach, working closely with agents to structure the best possible terms.
Territories and Availability
This program is available to retail agents and brokers in Arizona (AZ), California (CA), Colorado (CO), and Texas (TX). We operate on a non-admitted basis, allowing us to tailor coverages for unique or hard-to-place risks outside of standard market appetite.
Why Work With Ck Specialty Insurance?
Ck Specialty Insurance is more than a wholesaler—we’re your strategic partner in placing specialty risk. As a Western-based, family-run operation, we understand the needs of regional businesses and the agents who serve them. With access to a wide range of surplus lines markets and a commitment to responsive service, we help you open more doors for your clients.
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 is ideal for manufacturers and distributors of products such as pharmaceuticals, medical devices, electronics, cosmetics, food and beverage items, and more—including higher-risk classes like chemicals and e-cigarettes.
Is this program available on an admitted basis?
No, this is a non-admitted program, which allows us to offer flexible solutions for difficult-to-place or emerging risks.
What is the minimum premium for this program?
Minimum premiums start at $500, depending on the risk profile and coverage selected.
Can you help with accounts that need Pollution or Product Liability coverage?
Yes, we offer both Pollution Liability and Product Liability as part of the program, making it suitable for businesses with significant environmental or product-related exposures.
What states is this program available in?
This program is currently available in Arizona, California, Colorado, and Texas through licensed retail agents and brokers.
Need help placing an account? Connect with a market specialist.