Machinery & Equipment: Manufacturing, Sales, Repair — Commercial General Liability
Donald Gaddis Company places machinery-related commercial general liability for agents who need reliable markets and responsive underwriting. We work with a fluid panel of quality carriers that write a wide range of machinery operations — from used equipment dealers to manufacturers and field service contractors. As a wholesale broker, we help match your client to the right carrier form and limits for the exposure.
Target classes and ideal accounts
- Used machinery and machinery parts dealers
- Machinery parts manufacturers and component suppliers
- Machinery manufacturing facilities
- Machinery service, repair and maintenance contractors (including those who use contract/1099 technicians)
- Machinery importers and parts importers
- Machinery movers, installers and rigging contractors
Coverage highlights and advantages
Our carrier partners can offer flexible forms and extensions tailored to machinery exposures:
- Occurrence or claims-made policy forms
- Stand-alone Products/Completed Operations or integrated CGL options
- Primary limits available up to $5,000,000 for many classes
- Package policy options for select classes
- Premises/operations-only coverage available for some risks where desired
- Environmental (pollution) coverage available for many classes
- Numerous coverage extensions depending on carrier and class
Underwriting notes and minimums
Donald Gaddis Company offers access to carriers with strong financial ratings (A.M. Best "A" or better) and underwriters experienced with machinery exposures. Minimum premiums can be competitive — in many cases carriers will consider accounts with minimum premiums as low as $1,000. We use ACORD applications as a starting point and maintain additional supplements or carrier-specific applications for more complex risks.
Appetite and common declinations
Fits:
- Manufacturers of non-hazardous machinery and parts
- Established machinery dealers and importers with documented maintenance and inspection practices
- Repair shops and field service operations with formal safety programs
Generally less likely to fit (may require referral):
- High-hazard manufacturing that includes chemical processing or inherently polluting operations without controls
- Unlicensed rigging or installation contractors with limited experience
- Accounts with recent, significant product-liability loss histories without corrective risk management
Territories and availability
This program is available in most of the United States. States we currently serve include: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, WI. Admitted availability varies by carrier; we place both admitted and non-admitted business depending on the carrier and state.
Why place machinery business with Donald Gaddis Company
- Access to multiple experienced carriers focused on machinery and equipment risks
- Underwriters who understand the differences between manufacturing, repair, installation and dealer operations
- Flexible forms and higher limits for qualifying accounts
- Responsive quoting and placement — we can help navigate carrier supplements and specific applications
Example account scenarios
Example 1: You have a regional machinery service and repair firm that performs onsite repair and scheduled maintenance for industrial presses. They have a defined safety program and use subcontractor technicians. This account may qualify for a CGL with Products/Completed Ops and environmental coverage.
Example 2: You represent a used-machinery dealer that imports refurbished gear and sells parts to OEMs. The dealer needs primary liability with Product/Completed Ops limits and the option to add premises-only coverage for a satellite yard.
Acord applications are a good start for submissions. We maintain carrier-specific supplements for certain classes and complex risks. Contact Eric Gaddis or Jay Dillon for quick estimates, carrier selection guidance, or next steps on submissions.
Frequently Asked Questions
What types of machinery accounts are a good fit for this program?
Accounts that typically fit include machinery manufacturers (non-hazardous), parts manufacturers, used machinery dealers, importers, movers/installers, and service/repair contractors with documented safety and maintenance programs.
What submission materials should I provide for a quick quote?
Start with a completed ACORD General Liability application and current loss runs (last 3–5 years). For certain classes we will also request carrier-specific supplements detailing operations, subcontractor use, and risk management procedures.
Are occurrence and claims-made forms both available?
Yes. Our carrier panel offers both occurrence and claims-made forms. We will recommend the appropriate form based on the class, exposure and your client’s needs.
What is the minimum premium and available limits?
Minimum premiums vary by carrier and state; many carriers consider business with minimum premiums as low as $1,000. Primary limits are available up to $5,000,000 for many classes.
Which states do you place this business in?
We place this program in most states. See the program availability list above for specific states currently served; admitted availability depends on the chosen carrier.
Need help placing an account? Connect with a market specialist.