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Importing Insurance Program from Citadel Insurance Services Citadel Insurance Services offers a specialized Importing Insurance program designed to meet the unique risks faced by importers and wholesalers across a wide range of industries. Whether your client is bringing in consumer electronics, specialty chemicals, or aftermarket auto parts, our team understands the exposures and can tailor solutions that help protect their operations and inventory. As a Managing General Agency (MGA), we work with a variety of carriers and have access to both admitted and non-admitted markets. Our brokers focus on hard-to-place risks and complex coverage needs, including liability and stock throughput. We support agents and brokers in placing challenging accounts and growing their book of business. Target Industries and Ideal Accounts Our program is designed for importers and wholesalers of a wide variety of product categories, including but not limited to: Recreational Products Consumer Products Life Science Products Automobile Performance Products Chemicals and Plastics Electrical and Electronic Goods Cleaning Products Additional high-exposure or niche product lines From small importers of niche consumer products to large wholesalers of high-value goods, this program can accommodate a wide range of businesses. You might have a client who imports performance car parts from Asia or a wholesaler distributing cleaning supplies nationwide—both are potential fits. Coverage Highlights and Advantages We offer coverage solutions that address the specific exposures importers and wholesalers face, including: General Liability Product Liability Stock Throughput and Inland Marine Excess Liability Our brokers can help structure layered programs and adapt coverage to suit complex supply chains and distribution channels. We understand how to position your client's risk to the marketplace and provide underwriting support to help you close and retain business. Underwriting Guidelines and Minimum Premium Minimum premiums for this program start at $2,500. We evaluate each account based on product type, volume, distribution methods, loss history, and other underwriting factors. Our team is skilled at reviewing accounts with challenging exposures and crafting solutions that are both competitive and comprehensive. Available States The Importing Insurance program is available in most U.S. 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. Availability may vary by carrier and product line. Why Work With Citadel Insurance Services? Citadel Insurance Services is an experienced MGA with a strong focus on niche and hard-to-place risks. Our Importing Insurance program is supported by knowledgeable brokers who understand the import/export industry and can help you deliver tailored solutions to your clients. We provide responsive service, flexible underwriting, and access to diverse carrier partners to help you win and retain business in a competitive market. Please contact us for more information on our Importing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this Importing Insurance program?Accounts involving the import or wholesale distribution of consumer goods, chemicals, electronics, performance auto parts, and other specialty products are ideal. We have a broad appetite for niche and higher-risk classes. What coverages are typically included in the program?Coverage can include general liability, product liability, stock throughput, inland marine, and excess liability, depending on the needs of the account. What is the minimum premium for this program?The minimum premium starts at $2,500, though actual pricing depends on underwriting factors such as product type, volume, and loss history. Is this program available in my state?The program is available in most U.S. states. Please contact us for specific state availability and carrier options. Does Citadel work with hard-to-place or high-risk importers?Yes. Citadel specializes in hard-to-place risks and has experience structuring coverage for unique or high-exposure imported products. Need help placing an account? Connect with a market specialist.