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Manufacturing Insurance Program from Citadel Insurance Services Citadel Insurance Services places hard-to-insure manufacturing accounts through a dedicated Manufacturing Insurance Program tailored for independent agents and brokers. As a Managing General Agency (MGA), we leverage broad carrier relationships to provide creative solutions for niche, high-liability, and emerging manufacturing operations. Whether the client is a small startup or an established producer, our underwriters work with you to align coverages to the account’s unique exposures. Ideal Accounts and Appetite We write a wide range of manufacturing classes, including accounts that are often difficult to place. Target classes include: Consumer products and small appliances Recreational and sporting goods Life science and nutraceutical manufacturers Dietary supplements and nutraceuticals Children’s products and toys Marine and electrical products Plastics, chemicals, and component suppliers Fireworks, pyrotechnics, and other high-liability items Typical fits include manufacturers with complex product liability exposures, accounts that source components globally, and firms with specialized processes or small-batch production. We are also comfortable reviewing accounts with prior claims or loss history that other markets have declined. Example scenarios you might place with this program: A small nutraceutical manufacturer launching a new supplement line that needs product liability and completed operations limits to support retail distribution. A regional maker of recreational equipment with unique components sourced overseas seeking GL, product liability, and equipment coverage where admitted options are limited. Coverage Highlights and Advantages Citadel’s manufacturing markets provide a full package of coverages designed for product-centric risks: General Liability tailored for manufacturing operations Product Liability and Completed Operations Property coverage for manufacturing facilities and equipment Excess Liability / Umbrella solutions We work with multiple admitted and non-admitted carriers so you can secure the right combination of price, capacity, and terms for each account. Our markets can accommodate international distribution risks and component-sourcing exposures when required. Underwriting Notes and Minimum Premiums Underwriters at Citadel focus on pragmatic placement—assessing operations, controls, distribution channels, and claim history to determine appropriate terms. Minimum premiums start at $2,500, with final pricing dependent on risk characteristics, limits, and coverages selected. Provide detailed product descriptions, production volumes, distribution territories, and loss runs to speed placement. Territories and Availability The program is available across the United States, including all 50 states and Washington D.C. Some markets are offered on an admitted basis depending on the state and product class; for more complex or high-exposure risks we can place coverage non-admitted when necessary. We’ll help you identify the best admitted or non-admitted option for your client’s jurisdiction and operations. Why Work with Citadel Insurance Services? As an MGA, Citadel combines underwriting expertise with access to diverse carrier capacity. Agents benefit from: Underwriting focus on manufacturing and product liability exposures Flexible placement options across admitted and non-admitted markets Responsive quoting and tailored coverage structures for hard-to-place risks Support for accounts with prior claims or unusual product lines We partner with agents to grow manufacturing business by finding markets that will write complex or niche accounts. If you have a manufacturing risk that other carriers have declined or quoted restrictively, Citadel can often provide alternative solutions. Please contact us for more information on our Manufacturing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program? This program is well-suited for manufacturers of consumer goods, dietary supplements, recreational products, chemicals, and other niche or high-liability products—including accounts that have been hard to place elsewhere. Are admitted markets available through this program? Yes. Some admitted markets are available depending on the state and product class. For more complex risks or where admitted capacity is limited, we can access non-admitted markets. What is the minimum premium for this program? Minimum premiums start at $2,500. Final premium depends on the account’s exposures, limits, and coverage selections. Can this program handle manufacturers with prior claims? Yes. Citadel specializes in hard-to-place risks and frequently reviews accounts with prior losses; eligibility depends on the details of the loss history and current risk controls. Which states is the program available in? The program is available in most states across the U.S., including all 50 states and Washington D.C. Availability of admitted markets will vary by state and class. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for metalworking and plastics products manufacturers that produce to the “specifications of others.” This program is designed for businesses that contract manufacture components and finished products for third parties, helping them manage complex liability and operational risks common in these industries. The program also includes a distributor segment, targeting wholesalers of raw materials, machinery, equipment, and tools used by metalworking and plastics manufacturers. Whether your client sells CNC machines, molds, polymers, or industrial components, this program can provide comprehensive protection for their inventory, operations, and liability exposures. Coverage options include property, general liability, products liability, auto, umbrella, and workers’ compensation. This broad offering ensures that your manufacturing or distribution clients have the insurance support they need across their physical plant, supply chain, and workforce. 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.