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Captives & Alternative Markets Program F...is a non-admitted program focused on captive and alternative market solutions that fall outs...

...ne Roundstone’s American Business Captive is a turnkey heterogeneous group captive designed for middle-market companies...nd General Liability on a multi-line captive structure. Is the program availab...

...nsurance Services offers a robust Captive Insurance Solutions program tailored...ble nationwide?Yes, Caitlin Morgan’s Captive Insurance Solutions are available...

Medical Expense Stop Loss Group Captive Program from Roundstone Roundstone...tone?Brokers gain access to a proven captive model, competitive pricing, under...

...00,000 guaranteed cost premium. Captive Solutions: PRM has relationships with established captive facilities and can assist in forming new captives for qualified clients. Captives are an option for employers pursuin...to allow greater customization and alternative rating options not typically av...

...rict of Columbia, including major markets such as California, Texas, Florida, ...

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.

... the underwriting discipline of a captive program placed through admitted carr...olutions for franchise systems. As a captive provider working through admitted...

Smith Bell & Thompson, Inc. offers a focused Medical Facilities insurance program tailored to the liability needs of non-hospital healthcare operations. This program gives agents and brokers access to integrated professional and general liability solutions—designed for outpatient, diagnostic, rehabilitative, and other specialty medical facilities that fall outside the traditional hospital model. Ideal Accounts and Appetite Cardiac rehabilitation centers College and university health centers Community health clinics and local health departments Hospices (more than 9 beds) Medical laboratories and diagnostic imaging centers (X-ray, MRI, CT, etc.) Physical and trauma rehabilitation facilities Sleep study clinics and outpatient surgical centers If your client operates a specialty healthcare facility where primary exposure is clinical care rather than inpatient hospital services, this program is a strong option. Examples of good fits include a sleep study center expanding into multiple states or a multi-location physical rehabilitation network seeking consolidated professional liability protection. Coverage Highlights and Advantages Professional liability and general liability combined on a claims-made form for streamlined defense and indemnity handling Written on a non-admitted (surplus lines) basis to allow flexible wording and broader underwriting authority Workers’ compensation available on an admitted basis for qualifying accounts Underwritten capacity supported by AIG, bringing extensive experience in healthcare risks The program is structured to address common exposures for specialty providers—medical malpractice allegations, premises and operations liability, and employment-related injury exposures—while providing surplus lines flexibility to tailor limits and endorsements to unusual operational models. Underwriting Notes and Minimum Premiums Underwriters look for licensed facilities with documented risk management programs, established clinical policies, and experienced clinical staff. While minimum premium requirements vary by state and exposure, the program is intended for accounts substantial enough to justify surplus lines placement. Applicants with frequent or severe prior claims, inadequate documentation, or operations outside accepted clinical guidelines may not meet eligibility standards. Appropriate credentialing, policy documentation, and incident reporting programs materially improve placement prospects. Territories and Availability This Medical Facilities program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. Smith Bell & Thompson places business across all 48 contiguous states as well as Alaska, Hawaii, and the District of Columbia. Contact underwriting for any state-specific filing considerations or limitations. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson combines niche healthcare underwriting expertise with strong carrier relationships to place complex liability risks for specialty medical facilities. As a wholesale partner, they provide responsive underwriting, pragmatic risk evaluation, and access to AIG’s capacity—helping you secure tailored coverage for accounts that don’t fit standard hospital products. Whether you’re placing a single-site imaging lab or a regional rehab chain, Smith Bell & Thompson can help navigate terms, endorsements, and multi-state issues to achieve a clean placement. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for outpatient and specialty healthcare facilities such as rehab centers, imaging labs, sleep clinics, hospices (with more than 9 beds), and university health centers. Is the coverage admitted or non-admitted?Professional and general liability are written on a non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted basis where applicable. What carriers support this program?The program is backed by AIG, a financially strong insurer with deep experience in healthcare liability underwriting. Are there any states where this program is not available?The program is available in most states, including all 48 contiguous states, Alaska, Hawaii, and the District of Columbia. Contact underwriting for specifics on state eligibility and filing requirements. Can I submit an account with prior claims?Prior claims are considered on a case-by-case basis. Accounts with strong risk management, good documentation, and credible corrective actions are more likely to receive favorable consideration. Need help placing an account? Connect with a market specialist.