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

...ce in niche Workers' Compensation markets and provides responsive underwriting...

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

... Reimbursement Program (DRP) is a captive-based solution that helps employers ...tone provides underwriting guidance, captive program structuring, and ongoing ...

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...

...sk management services, including captives, loss control, and appraisals Str...ernative risk financing options like captives. Need help placing an account?...

Overview — Smith Bell & Thompson, Inc. Directors & Officers Liability Smith Bell & Thompson, Inc. offers a Directors & Officers Liability program designed for health care organizations — both non-profit and for-profit — and other allied classes where entity and management liability exposures are present. This program provides entity coverage for the named organization and side A/B/C protections for directors, officers and employees, with capacity placed through AIG. It is intended as a practical market for agents who need broad D&O protection with flexible underwriting for national program classes. Ideal accounts and appetite Health care providers and networks, including home care and community health organizations (both nonprofit and for-profit). Trade and membership associations, and other program-style organizations that require entity coverage and management protection. Organizations with defined governance structures and standard financial controls; preferred accounts have documented risk management and claims histories that are manageable. Special consideration and pricing available for National Association for Home Care (NAHC) members. Coverage highlights and advantages Entity coverage included — policy can cover the organization itself as well as individual directors, officers and employees. Broad definition of employment practices (EPLI) claims is available, helping address wrongful termination, discrimination and similar employment exposures. Access to AIG capacity gives broad industry recognition and claims handling experience for complex management liability matters. Program-oriented underwriting that understands multi-entity structures common in health care and association accounts. Underwriting notes and typical restrictions Underwriters look for clear governance, reasonable internal controls, and documented employment practices. Accounts with ongoing regulatory investigations, multiple recent management liability losses, or severe financial distress should be submitted with full explanation and may be declined or subject to restrictive terms. When you submit, include the organization’s bylaws, most recent financial statement, claims history (D&O/EPLI), and any employment policies. These items speed placement and improve the chance of competitive terms. Example scenarios — when to use this program You have a midsize home care agency that recently expanded into multiple states and wants entity-level D&O protection plus EPL coverage for its management team. NAHC membership can help secure preferred pricing. An association of health care providers seeks a single program policy to cover the trade association and its board members. The program’s entity coverage and AIG capacity provide a workable solution for that structure. Territories and availability Available for placement in the following states and territories: 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, WY. Why place D&O with Smith Bell & Thompson, Inc. Program focus on health care and association classes means underwriting and policy wordings tailored to your clients’ exposures. Broad EPLI language and entity coverage help reduce coverage gaps for multi-entity and management exposures. Placement with an experienced market (AIG) and a wholesaler that understands program business helps streamline submission-to-quote turnaround. Special NAHC member pricing is a differentiator when placing home care accounts. Frequently Asked Questions What types of health care accounts work best for this D&O program?Mid-sized to larger home care agencies, community health organizations, and trade associations are a good fit—especially those with documented governance, clean claims histories, and standard employment practices. NAHC members can access special pricing. Does the policy include entity coverage and EPLI?Yes. The program can provide named organization (entity) coverage and includes a broad definition of employment practices (EPLI) claims, protecting both the entity and individual directors, officers and employees. What submission materials speed up underwriting?Provide the organization’s bylaws, most recent financial statement, D&O/EPLI loss run, and employment policies. Complete background on any pending regulatory or litigation matters should also be included. Which carrier capacity is used for this program?Capacity for this Directors & Officers Liability program is provided through AIG. Which states is this program available in?The program is available in most U.S. states and DC, 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. Need help placing an account? Connect with a market specialist.