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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.

Workers Compensation Insurance for manufacturing operations can be especially complex. Electrical equipment manufacturers face unique risks tied to specialized processes, energized work, assembly and testing activities, and potentially costly claims. Novatae Risk Group offers a tailored Electrical Equipment Manufacturer Workers Compensation Insurance program developed in partnership with Empire to address those industry challenges and give agents a reliable market for these accounts. Whether you are moving an existing client to a new carrier or targeting new manufacturing business, Novatae’s program provides a focused option for electrical equipment manufacturers. Our underwriting team and brokers will evaluate accounts for fit within the program’s appetite and structure — helping you place business efficiently. Please contact us at 800-758-8113 to speak with our experienced brokers about your Electrical Equipment Manufacturer Workers Compensation Insurance accounts. Ideal Accounts and Appetite Manufacturers of electrical components and devices Operations involving assembly, fabrication, and testing of electrical equipment Accounts with documented safety programs and moderate-to-good loss histories Typical fits include clients that manufacture circuit boards, transformers, control panels, switchgear, or related electrical assemblies. We will consider accounts with a history of larger losses when accompanied by loss explanations, remediation plans, and strong safety documentation. Example scenarios agents commonly place through this program: A mid-sized control panel fabricator with a formal safety program, lockout/tagout procedures, and three years of stable loss runs. A contract electronics assembler that conducts final testing and calibration on finished boards, with documented training and low frequency of claims. Program Features Only $7,500 Minimum Premium Program Highlights 10% commission for appointed agents Fast quote turnaround with completed submissions Access to multiple markets through Novatae’s carrier relationships Coverage available in over 20 states Submission Requirements ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses States and Availability Coverage is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted and non-admitted options are available depending on the market and state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche and hard-to-place manufacturing risks. We combine underwriter responsiveness, targeted appetite, and broad carrier access to help you close more workers compensation placements for electrical equipment manufacturers. Our team can guide submission requirements, advise on loss control documentation, and move accounts quickly when fit is confirmed. Do you need a Workers Compensation Insurance Quote for your Electrical Equipment Manufacturer? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers of electrical components, control systems, panels, and other electrical equipment with stable operations and a moderate-to-good loss history. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making the program suitable for mid-sized operations and larger manufacturers. Which states is this program available in?This program is available in over 20 states, including CA, TX, FL, NY, and IL, among others listed above. What documents are needed to submit an account?Submissions should include an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses. How quickly can I expect a quote?Quotes are typically provided quickly once a complete submission is received, thanks to Novatae’s efficient underwriting team. Need help placing an account? Connect with a market specialist.