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...er. Popular Classes We Serve • Clothing or Wearing Apparel • Beverage Stores...e range of retail classes including clothing stores, gift shops, nail salons, ...

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Sinclair-Dwyer is a California-based MGA and Surplus Lines brokerage that helps agents place hard-to-place and unique commercial property and casualty risks across the state. We provide dedicated access to Century Surety Insurance, a longstanding non-admitted Surplus Lines carrier with deep appetite for niche and specialty classes since 1978. If you need flexibility outside admitted markets, Sinclair-Dwyer can be your go-to market. Target Classes and Market Appetite We maintain a broad appetite for main-street businesses and specialty operations that commonly fall outside admitted market thresholds. This program is built for agents and brokers seeking placement options for clients in challenging or non-standard industries. Typical classes we target include, but are not limited to: Apartments Auto Dismantlers Bakeries Barber Shops and Beauty Salons Bars and Taverns Bazaars Bed and Breakfasts Billiard and Pool Halls Bingo Halls Car Washes Condominiums Convenience Stores (with or without gas) Day Care Centers Garage Liability Health Clubs Homeowners Associations Hotels Hunting Clubs Janitorial Services (excluding handyman work) Laundromats Nightclubs Pawnshops Recycling Centers Resorts Restaurants Retail Stores Security Guards Strip Centers Tanning Salons Vacant Land Video Stores Mini Warehouses Coverage Features and Risk Solutions Through Century Surety Insurance, the program addresses core commercial exposures—commercial property, general liability—and industry-specific enhancements where appropriate. We focus on practical, marketable solutions that help you place accounts with prior claims, unique operations, or higher inherent risk profiles. Endorsements and coverage options are tailored to the class of business and specific exposures. Example scenarios agents frequently bring to us: A restaurant that operates live entertainment and sells liquor needing combined general liability and property protection with liquor liability considerations. A mini-warehouse owner seeking coverage despite limited occupancy or an older building construction. Underwriting Considerations This is a non-admitted Surplus Lines program underwritten by Century Surety Insurance, which provides broader flexibility than admitted markets when evaluating unusual or marginal risks. Submissions are reviewed on a case-by-case basis; while minimum premiums may apply depending on class and exposures, we strive to provide competitive terms for qualified accounts. Provide full details on operations, loss history, and risk control measures to accelerate underwriting decisions. Availability The California MGA and Surplus Lines Brokerage program is available exclusively for risks located in California. Agents and brokers licensed in California can access this market through Sinclair-Dwyer to place commercial accounts across the state's diverse industries. Why Work With Sinclair-Dwyer? Sinclair-Dwyer combines hands-on California non-admitted market expertise with direct access to Century Surety Insurance. We offer responsive underwriting, pragmatic risk solutions, and support for hard-to-place accounts—helping you keep business on your books when admitted carriers decline. Our team works collaboratively with brokers to package submissions, recommend loss control improvements, and speed placement where possible. Frequently Asked Questions What types of accounts are a good fit for this program?Main-street and specialty businesses in California—such as bars, restaurants, salons, daycares, pawnshops, mini-warehouses, and similar classes that may not qualify for admitted markets—are a strong fit. Is this program available outside of California?No. This program is currently available only for risks located in California. What lines of coverage are typically offered?Typical offerings include commercial property, general liability, and industry-specific endorsements or enhancements depending on the class and exposures. Can you write risks with prior claims?Yes. We consider accounts with prior losses, evaluating each submission individually to determine insurability and appropriate pricing. Who is the carrier for this program?The program is written through Century Surety Insurance, a non-admitted Surplus Lines carrier with experience insuring niche markets. Need help placing an account? Connect with a market specialist.

...e, and beverage distribution Clothing, garments, and retail freight Au...produce, building materials, steel, clothing, and more. It also accepts new ve...

...t not limited to: Clothing and apparel stores Specialty ret...to multiple locations or a boutique clothing retailer who needs coverage for p...

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It takes time, resources, and dedication to build a product and establish a brand name. Protecting that brand is critical—especially when a product recall can threaten years of hard work. Even a seemingly minor issue can have significant financial and reputational consequences. That's why forward-thinking companies are turning to Products Recall Insurance to mitigate risk and manage crises effectively. Product Recall Insurance from Russell Bond & Co., Inc. Russell Bond & Co., Inc., a trusted Managing General Agency, offers specialized Products Recall Insurance solutions designed to help businesses navigate the complex and costly process of a recall. With markets available in most states and options for admitted coverage in select jurisdictions, this program supports agents and brokers seeking to place coverage for manufacturers, distributors, and importers across a variety of industries. Target Accounts and Ideal Industries This program is suitable for a wide range of industries where product safety and integrity are critical. Ideal insureds include: • Consumer goods manufacturers (children’s products, appliances, electronics, apparel) • Component part suppliers (automotive, medical devices, aerospace, general manufacturing) • Producers of consumable goods (food, beverages, cosmetics, pharmaceuticals) If you work with clients who rely on safe, dependable goods to maintain market position and consumer trust, this program is an excellent fit. Coverage Highlights The Products Recall program offers comprehensive protection, including: Base Coverage Includes: • Defense Costs • Recall Costs • Consultant Costs, including: o Recall Plan Preparation o Recall Procedure Testing o Pre-Incident Training Three Policy Types to Fit Specific Risk Profiles Russell Bond offers three distinct policy forms depending on the insured’s industry and exposure: Consumer Goods • Covers product defects that may result in bodily injury (BI) or physical damage (PD). Targeted toward finished goods like toys, appliances, furniture, and electronics. Component Parts • Designed for parts used in manufacturing, medical, automotive, and aviation sectors. Covers risks like imminent danger of BI/PD, impaired property, or actual BI/PD from product use. Consumable Products • Protects against accidental contamination and malicious tampering in products such as food, beverages, cosmetics, and pharmaceuticals. Post-incident services are also included, such as public relations support, regulatory consultation, and forensic investigation into the root cause of the incident. These services help insureds recover quickly and maintain consumer confidence. Don’t Let One Incident Tarnish What Took Years to Build A Products Recall Insurance policy from Russell Bond & Co., Inc. equips your clients with the tools to respond quickly and effectively to product crises. This coverage reinforces their commitment to product safety and brand integrity—key elements for long-term success. Territories and Availability This program is available in most U.S. states, including but not limited to NY, CA, TX, FL, IL, and NJ. Admitted options are available in select states. Check with Russell Bond for specific state eligibility and underwriting requirements. Why Partner with Russell Bond & Co., Inc.? As a Managing General Agency with deep product knowledge and market access, Russell Bond & Co., Inc. provides independent agents and brokers with tailored solutions and responsive service. Their expertise in specialty lines like Products Recall Insurance ensures that you can confidently place even complex accounts with unique exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, distributors, or importers of consumer goods, component parts, or consumable products that face risks associated with product recalls. What kinds of incidents are covered under these policies?Depending on the policy type, coverage may include bodily injury, physical damage, accidental contamination, malicious tampering, and regulatory recall events. Are post-recall services like public relations included?Yes, the policy provides post-incident support such as public relations services, regulatory assistance, and forensic analysis to help manage and recover from a recall event. Is coverage available in my state?The program is available in most U.S. states, with admitted options in select areas. Contact Russell Bond & Co., Inc. for state-specific availability. How can I get a quote or submit a risk?Reach out to Russell Bond's team for submission details. They offer responsive service and underwriting expertise to help you place qualified risks efficiently. Need help placing an account? Connect with a market specialist.