Ideal Accounts and Appetite
Smith Bell & Thompson’s program is best suited for:
- Custom metal parts manufacturers operating CNC, stamping, or welding equipment
- Plastic fabrication companies using injection molding or extrusion techniques
- Contract manufacturers producing components for aerospace, automotive, or industrial OEMs
- Wholesalers and distributors of raw materials, machinery, or tooling
Accounts should primarily produce to the specifications of others; firms designing their own proprietary products may require additional review.
Coverage Highlights and Advantages
- Property coverage for buildings, contents, and business interruption
- General liability for premises and operations exposures
- Products liability for manufactured or distributed goods
- Commercial auto for fleet and delivery risks
- Umbrella coverage to extend liability protection
- Workers’ compensation coverage for employee injuries
With access to AIG, Smith Bell & Thompson delivers strong carrier backing and underwriting expertise in the manufacturing and distribution sectors.
Underwriting Notes
Underwriting focuses on operational controls, quality assurance processes, and clear delineation of manufacturing versus design responsibilities. Accounts with good loss history and strong safety practices are preferred. Contact Smith Bell & Thompson for submission requirements and to discuss specific account details.
Territories and Availability
This program is available on a non-admitted basis in most states, including 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, and WY.
Why Work With Smith Bell & Thompson, Inc.
Smith Bell & Thompson, Inc. is a trusted program administrator with deep expertise in manufacturing and distribution risks. Their focused appetite, strong carrier relationships, and responsive underwriting make them an excellent partner for agents seeking reliable solutions for metalworking and plastics clients.
You might have a client who machines precision parts for a medical device company, or a distributor supplying materials to injection molders. This program is designed to meet their unique insurance needs while supporting you with knowledgeable service and market access.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for metalworking and plastics manufacturers producing to others' specifications, as well as distributors of materials, machinery, and tools used in those industries.
Does the program cover both manufacturing and distribution operations?
Yes, the program includes tailored coverage options for both manufacturers and distributors, with underwriting focused on their specific operations and exposures.
Is the program available on an admitted basis?
No, this is a non-admitted program backed by AIG and is available in most U.S. states.
What lines of coverage are offered?
Coverage includes property, general liability, products liability, auto, umbrella, and workers’ compensation.
How do I submit a risk or get more details?
Contact Smith Bell & Thompson, Inc. directly to discuss submission requirements and determine if your client’s account fits the program appetite.
Need help placing an account? Connect with a market specialist.