Ideal Accounts and Appetite
This program is tailored for manufacturers, importers, distributors, and wholesalers—especially those working with high-hazard or hard-to-place products. It is particularly suitable for:
- Medical devices and supplies
- Ingestible products, including nutraceuticals and supplements
- Products imported directly by your insured
- Start-ups and new product launches
- Risks with prior loss activity or claims history
If you have a client launching a new supplement brand or distributing imported electronics, this program provides a viable solution when standard markets won’t respond.
Coverage Highlights and Advantages
Monarch E&S’s Products Liability Insurance offers protection against claims related to:
- Design defects
- Manufacturing or production flaws
- Improper labeling or insufficient consumer warnings
Optional enhancements include coverage written on a specified products basis as well as Product Recall Expense coverage—key for clients in sensitive industries like ingestibles or medical devices.
Underwriting Notes and Minimum Premiums
Monarch E&S can consider start-up ventures and accounts with prior claims. The program is written on a non-admitted basis through multiple carrier partners, allowing for underwriting flexibility across a wide variety of niche risks. Minimum premiums start at approximately $2,300+, depending on the specific risk profile and coverage structure.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
- Texas (TX)
Additional states may be considered on a case-by-case basis. Please contact Monarch E&S for details.
Why Work With Monarch E&S
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Monarch E&S brings deep expertise in hard-to-place product liability risks. With access to multiple carrier markets and decades of experience in specialty lines, Monarch helps agents and brokers secure tailored coverage solutions for niche and high-hazard product classes.
Whether your client is a start-up manufacturer or an established importer with complex exposures, Monarch E&S is your go-to partner for Products Liability Insurance.
Frequently Asked Questions
What types of accounts are a good fit for this Products Liability program?
This program is ideal for manufacturers, importers, and distributors of high-risk or hard-to-place products, including medical devices, ingestibles, and imported goods.
Can you consider start-up operations or accounts with prior claims?
Yes, Monarch E&S can consider start-ups and risks with prior claims activity, depending on the details and underwriting review.
Is this coverage available on an admitted basis?
No, this program is written on a non-admitted basis using multiple E&S carrier partners.
What is the minimum premium for this program?
Minimum premiums typically start at $2,300+, depending on the risk type and coverage structure.
In which states is this program currently available?
The program is available in AZ, CA, HI, NV, and TX. Other states may be considered on a case-by-case basis.
Need help placing an account? Connect with a market specialist.