Search CompleteMarkets

... marketplace, your clients in the dietary supplement industry need more than j...turers, distributors, and sellers of dietary supplements, vitamins, herbal pro...

Dietary Supplement / Nutraceutical Liability...rers, importers, and distributors of dietary supplements, herbal products, cos...

...al classes we write include: Dietary supplements and vitamin manufacturer...or this program?This program targets dietary supplement manufacturers, biotech...

With deep expertise in the beauty, health, and wellness sectors, Veracity Insurance Solutions, LLC offers a robust Nutraceutical Product Liability Insurance program designed specifically for manufacturers, importers, and distributors of supplements and nutraceuticals. Agents and brokers can rely on Veracity’s niche market knowledge and strong carrier relationships to place coverage that addresses the unique risks of this fast-evolving industry. Ideal Accounts and Appetite This program is ideal for clients involved in producing or distributing health and wellness products, including startups and established companies alike. Whether your client is launching a new energy supplement or distributing private-label protein powders, Veracity has the market access and underwriting experience to support a wide range of product types. Approved product classes under this program include, but are not limited to: Nutraceuticals Vitamins Compounded and Non-Compounded Herbs Energy and Protein Supplements Body Cleansers and Detox Products Bodybuilding and Weight Loss Supplements Topical Creams You might have a client importing herbal supplements from overseas or a domestic startup formulating topical creams for sports recovery—both are examples of accounts that can be placed through this program. Coverage Highlights and Advantages Veracity’s Nutraceutical Product Liability Insurance program delivers broad and competitive coverage tailored to the risks of the nutraceutical industry. Key features include: Minimum premiums starting at just $3,000 Limits available up to $25,000,000 Coverage provided on “A XV” rated paper Options for both Occurrence and Claims Made forms Worldwide coverage, including product withdrawal expense Custom Manuscript Endorsements to meet client-specific needs Additional Insured Endorsements included Pollution Legal Liability coverage Cyber Liability coverage available through Veracity’s Data Breach Response Program Underwriting Notes and Minimum Premiums Minimum premiums begin at $3,000, with underwriting flexibility for a wide range of company sizes and risk profiles. New ventures and startups are welcome, and Veracity's underwriters understand the nuances of ingredient sourcing, labeling issues, and claims trends in the supplement space. Territories and Availability The Nutraceutical Product Liability Insurance program is available in all 50 states and the District of Columbia. Whether your client is operating in California, Texas, Florida, or any other state, Veracity can help you place coverage that meets their regulatory and operational footprint. Why Work With Veracity Insurance Solutions? As a wholesale broker with a strong focus on the health and beauty product sector, Veracity Insurance Solutions brings unmatched industry insights and access to leading carriers such as Great American and Verus. They understand the specific exposures nutraceutical companies face—from product liability to cyber threats—and offer responsive service and tailored coverage solutions to match. Agents and brokers can count on Veracity to simplify the placement process and help win and retain nutraceutical accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nutraceutical manufacturers, importers, and distributors—especially those producing vitamins, supplements, herbal products, or topical creams. Can I submit a startup or new venture?Yes, the program welcomes startups and new ventures, provided they meet underwriting criteria and have proper documentation. Are imported products eligible for coverage?Yes, imported nutraceuticals are eligible, and the program offers worldwide coverage, including liability for products sourced or sold internationally. What is the minimum premium for this program?Minimum premiums start at $3,000, with pricing based on risk factors such as product type, distribution volume, and claims history. Which carriers support this program?The program is backed by top-rated carriers including Great American and Verus, offering strong financial security and flexible underwriting. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program in the following states: 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 Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.

...rs, durable medical equipment and dietary supplements — and offers tailored fo...dical devices (FDA Class I and II) Dietary supplement manufacturers and dist...

Citadel Insurance Services offers EnviroPAC, a dedicated Environmental Insurance program that helps agents and brokers place complex pollution and environmental risks with confidence. Built for environmental contractors, consultants, waste facilities, and restoration firms, EnviroPAC combines specialized underwriting with access to top-rated carriers to deliver flexible, market-responsive solutions. Through our EnviroPAC program you can quote broad liability options for remediation contractors, asbestos/lead/mold abatement firms, environmental consultants, hazardous and non-hazardous waste handlers, and emergency response or restoration companies. Coverage is available nationwide (all 50 states and Washington, D.C.), on admitted and non-admitted paper where eligible. Minimum premiums start at $2,500. Ideal Accounts and Appetite EnviroPAC targets a wide range of environmental-related businesses, including: Environmental remediation contractors Asbestos, lead, and mold abatement firms Environmental consultants and engineers Hazardous and non-hazardous waste facilities Restoration and emergency response companies Typical submissions that fit our appetite include a remediation contractor performing soil or groundwater cleanup for brownfield redevelopment, a consultant providing UST or vapor intrusion assessments, or a restoration firm responding to pollution events after a storm. We can place both single-site and multi-location operations, subject to underwriting review. Coverage Highlights and Advantages EnviroPAC is designed as a flexible package so you can combine coverages and limits to match your client’s exposures and budget. Key offerings include: General Liability ISO-based forms Available on Occurrence and Claims-Made bases Options for Hired & Non-Owned Auto, Products Pollution, Employee Benefits, and more Contractor Pollution Liability (CPL) Occurrence or Claims-Made trigger Covers pollution incidents arising from your client’s operations or subcontractor work Includes Cleanup Costs, Third-Party Bodily Injury, and Property Damage Professional Liability Claims-Made coverage for environmental consulting services Covers alleged acts, errors, or omissions tied to professional services Protects against third-party financial loss and liability Site Pollution Liability Claims-Made coverage for owned or operated sites Includes on-site and off-site cleanup, bodily injury, and property damage Options available for pre-existing conditions and newly discovered contamination Transportation Pollution Liability Available as an extension to Contractor or Site Pollution policies Covers pollution incidents during transport of materials Follow Form Excess Supported and unsupported excess options Excess capacity over GL, CPL, PL, Site Pollution, Auto Liability, and Employer’s Liability Underwriting Notes and Minimum Premiums Our underwriters focus on tailored solutions and quick responses. We work with a mix of admitted and non-admitted markets to fit unusual or higher-exposure risks. Markets include Starr, Crum, Scottsdale, AIG, Arch, ACE, Liberty, Markel, Kinsale, and others. Minimum premiums start at $2,500; final pricing depends on class of business, operations, limits, and other risk characteristics. Common underwriting considerations include nature of contamination risks, client loss history, subcontractor controls, waste handling practices, and site remediation plans. Territories and Availability EnviroPAC is available in all 50 states and Washington, D.C., including high-demand jurisdictions such as California, Texas, Florida, and New York. We place accounts on admitted paper where available and appropriate, and use non-admitted markets when necessary to secure capacity or broader terms. Why Work With Citadel Insurance Services As a wholesale broker with deep specialization in environmental risks, Citadel Insurance Services offers market access, program design, and hands-on underwriting support tailored to pollution exposures. Our team understands regulatory drivers, common operational pitfalls, and the documentation carriers expect—helping you place business faster and with greater confidence. When you partner with Citadel, you gain a resource for complex submissions, flexible program structures, and access to multiple carriers that actively write environmental liability. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors, consultants, waste facilities, and restoration companies handling pollution-related exposures. What coverages are available under the EnviroPAC program?Coverages include General Liability, Contractor Pollution Liability, Professional Liability, Site Pollution Liability, Transportation Pollution Liability, and Follow Form Excess. Is coverage available in all states?Yes. Our Environmental Insurance program is available nationwide, including all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium starts at $2,500, depending on the specific risk and coverage selected. Do you offer admitted and non-admitted options?Yes. Coverage is available through both admitted and non-admitted markets, subject to state and risk eligibility. Need help placing an account? Connect with a market specialist.

Overview of the Program From Citadel Insurance Services Citadel Insurance Services’ Life Science Insurance program (BioPAC) is a specialty wholesale product built for companies across the life sciences spectrum — from preclinical startups to large, established manufacturers. The program is designed to be flexible and scalable so you can place accounts with complex product, clinical trial and biomanufacturing exposures that standard markets may decline or limit. Ideal Accounts and Appetite This program targets a broad set of life science risks. Typical accounts that fit well include: Medical device manufacturers and medical device software companies Pharmaceutical and biologic developers (including drug discovery and bio-engineering) Medical foods, cosmetic drug companies and non-medical biotechnology firms Life science product development services and product testing laboratories For-profit and non-profit research institutions Medical product distributors and contract research/contract manufacturing organizations Coverage Highlights and Advantages BioPAC offers a modular set of coverages and endorsements to match specialized exposures common in life sciences: General and product liability tailored for biological agents and medical devices Clinical trials liability and clinical trials medical expense coverage Professional liability options for researchers, labs and developers Data breach expense and data breach economic liability extensions for software and device data Voluntary products recall and designated products coverage Abuse & molestation and punitive damages where allowable by law (subject to underwriting) Flexible extended reporting and circumstance reporting options These coverages make the program practical for accounts that combine product, clinical and cyber exposures or that require broader testing and recall protection. Underwriting Notes and Submission Requirements Citadel underwrites this program through wholesale placement. Underwriters expect clear documentation of product lifecycle, clinical trial protocols (where applicable), quality control procedures, and distribution channels. Provide: Summary of operations and product descriptions Clinical trial protocols, enrollment size and safety monitoring when applicable Regulatory status (e.g., FDA filings, CE marks) and quality management systems Claims history and prior disciplinary or product recall history Minimum premium information varies by risk and market placement — contact Citadel for program-specific minimums and quotation turnaround. Territories and Admitted Status The program is available across a broad set of U.S. jurisdictions, 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. Note: This program is placed on a non-admitted/surplus lines basis (no admitted filings). Confirm surplus lines requirements and tax/filing procedures for the insured’s domiciliary state before submission. Why Work With Citadel Insurance Services on Life Science Business As a specialty wholesale broker, Citadel offers tailored placement expertise for complex life science exposures and access to markets that understand product, clinical and cyber overlaps. Underwriters are experienced with research institutions, contract labs and product manufacturers, enabling pragmatic solutions where standard markets may restrict coverage or capacity. Example Account Scenarios You have a start-up developing a novel implantable medical device with upcoming first-in-human trials. BioPAC can combine clinical trials coverage with product liability and cyber extensions for device software. You represent a contract testing laboratory that handles biologic samples and provides analytical services to multiple sponsors. The program can provide laboratory liability, biological agents liability and professional liability in a single placement. Frequently Asked Questions What types of life science accounts are the best fit for this program?The program fits medical device and device software firms, drug and biologic developers, product testing labs, research institutions and service organizations that need combined product, clinical and cyber coverages. Is this an admitted program and in which states is it available?BioPAC is placed on a non-admitted/surplus lines basis. It is available in the listed states (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). Confirm surplus lines requirements for the insured’s domicile before submission. What documentation does Citadel require for submission?Provide a clear operations summary, product descriptions, clinical trial protocols (if applicable), regulatory and quality control documentation, and recent loss history. More detailed checklists are available from Citadel upon indication of interest. Need help placing an account? Connect with a market specialist.

Site Pollution Insurance, also called Environmental Impairment Liability (EIL), protects your clients from the financial and legal fallout of pollution incidents at, under, or emanating from their owned or leased properties. As regulatory scrutiny and awareness of environmental hazards increase, businesses can face substantial cleanup costs, third-party claims, business interruption, and reputational harm without the right coverage in place. Citadel Insurance Services places Site Pollution Insurance through a broad panel of markets, including Markel, Starr, AIG, Arch, and ACE. The program supports both admitted and non-admitted placements and is available nationwide across all 50 states and Washington, DC. Citadel’s wholesale underwriting relationships allow you to shop complex or overlooked pollution exposures efficiently. Ideal Accounts and Appetite This program is tailored for agents and brokers handling clients with site-based environmental risk that often goes unrecognized. Typical classes that fit well include: Chemical manufacturers and distributors Property owners, landlords, and real estate investors (including industrial parks) Medical clinics, laboratories, and testing facilities Recycling centers and waste management operations Petroleum product manufacturers and distributors Refineries and related industrial operations Examples: you might have a landlord of a small industrial complex with tenants who handle solvents, or a regional medical testing lab concerned about potential indoor air quality or legionella exposures—both are good fits for this program. Coverage Highlights and Advantages Site Pollution Insurance from Citadel is structured to address a range of on- and off-site environmental exposures. Common coverages include: Onsite and offsite cleanup and remediation costs Third-party bodily injury and property damage arising from pollution incidents Business interruption and loss of income tied to pollution events Coverage for emerging contaminants and indoor air quality issues such as mold and legionella (subject to underwriting) These coverages help clients manage costly surprises and demonstrate prudent risk transfer as environmental expectations evolve. Underwriting Notes and Minimum Premiums Minimum premiums in this program start at $2,500. Submissions should include thorough property and operations information: any known environmental history or prior releases, tenant profiles (if applicable), storage and handling of regulated materials, and current loss-control or mitigation practices. Citadel’s underwriting team can guide you on documentation, pollution-legal-liability (PLL) site assessments, and where admitted vs. surplus placement is most appropriate. Territories and Availability This program is available in all 50 states and Washington, DC. Citadel can place accounts on an admitted basis where available and advantageous, or on a non-admitted/surplus lines basis when the risk or coverage needs require it. Why Work With Citadel Insurance Services? As a wholesale broker focused on environmental and niche commercial lines, Citadel offers deep appetite knowledge, direct access to top carriers, and experienced underwriting support. Working through Citadel helps you: Access multiple markets quickly to improve placement options Receive practical underwriting guidance on complex or legacy exposures Place admitted or non-admitted coverage to match client and state requirements Obtain specialized terms for emerging contaminant exposures where appropriate Whether you’re placing a commercial landlord, an industrial operator, or a healthcare facility, Citadel can help you secure tailored pollution liability protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include chemical manufacturers, property owners, medical facilities, recycling centers, petroleum distributors, and other businesses with potential site-based environmental exposures. Is coverage available in all states?Yes. Citadel places Site Pollution Insurance in all 50 states and Washington, DC, using admitted or surplus markets as appropriate for the risk and jurisdiction. What is the minimum premium for this coverage?Minimum premiums typically start at $2,500, though final pricing depends on the nature, size, and loss history of the account. What types of pollutants are covered?Policies can address a wide range of contaminants—including volatile organic compounds, mold, legionella, and other indoor/outdoor pollutants—subject to underwriting and policy terms. Can this coverage be written on an admitted or non-admitted basis?Yes. Citadel has access to both admitted and non-admitted markets, providing flexibility to place coverage that meets client needs and state requirements. Need help placing an account? Connect with a market specialist.

Program overview — Citadel Insurance Services: Insurance Program Development and Management With more than 20 years of focused program development and management experience, Citadel Insurance Services provides wholesale underwriting and program administration support to independent agents and brokers. We work with start-up and established programs — designing market placement strategies, structuring coverages, and improving distribution to sustain growth. Citadel specializes in creative solutions for unique or hard-to-place programs, including book aggregation, affinity arrangements, and risk purchasing groups. Our focus Associations Affinity groups Book aggregation Reinsurance access and program layering Risk purchasing groups (RPGs) Industries and classes we commonly support Citadel has driven program success across a wide range of classes. Typical sectors include: Real estate and property managers Contracting and construction-related trades Entertainment and motorsports Healthcare and life sciences Sport, fitness and recreation Manufacturing and transportation (including trucking) Professional liability / E&O for specialized occupations Coverage highlights and advantages This program is designed to help you place accounts that require program-level thinking rather than single-risk placement. Key strengths include: Program design and underwriting structures tailored to affinity and association-based business. Ability to assemble layered capacity, including reinsurance relationships to support larger or aggregated books. Flexibility to create binding authority, master policies, or papering structures that support book aggregation and delegated distribution. Expertise in market placement for unique or non-standard risks that need creative underwriting solutions. Underwriting notes and submission guidance Appetite is program-specific but generally favors group-based or program-style placements where underwriting guidelines, membership/enrollment controls, and loss control protocols can be applied. Typical items underwriters will request include: Program summary and business model (enrollment, premium flow, eligibility rules) Recent loss information or loss runs where available Copies of any membership or contractual agreements tied to the program Fee schedules, aggregation thresholds, and reinsurance structures if already in place Minimum premiums and attachment points vary by product and carrier; specific thresholds are established on a program-by-program basis. Territories and admitted status This program is available in the following jurisdictions: 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. Citadel currently positions these program solutions through non-admitted / surplus lines placements where appropriate and permitted; admitted options may be available with specific carriers on a case-by-case basis. Why place program business through Citadel Deep program-development experience — from concept to mature distribution. Proven ability to place specialized and aggregated books with creative market solutions. Wholesale-broker model that supports delegated authority, tailored wording, and layered capacity. Practical underwriting guidance that helps you structure a program to attract carrier appetite while protecting risk quality. Example client scenarios You represent a regional association seeking to offer a branded liability program to members. Citadel can help structure eligibility rules, partner with carriers for capacity, and design enrollment and premium collection mechanics. You have several small contractors with similar exposure that would produce a more attractive submission if aggregated. Citadel can advise on book-aggregation strategies and place combined coverage with appropriate underwriting controls. Frequently Asked Questions What types of accounts are a good fit for Citadel’s program development services?The best fits are group- or program-style opportunities: associations, affinity groups, book-aggregation arrangements, risk purchasing groups, and other situations where unified underwriting rules, membership controls, or pooled premium flow make a program more marketable. Is this offered on an admitted basis?Citadel generally positions these solutions through non-admitted / surplus lines placements. Admitted options may be possible with specific carriers on a program-by-program basis; discuss the target state and product to determine availability. What do carriers typically require on submissions?Underwriters will expect a clear program summary, eligibility and enrollment procedures, loss history if available, and any existing reinsurance or aggregation terms. The more detail you provide about controls and premium flow, the quicker carriers can assess capacity and terms. Which states do you support?The program is available in: 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. State-specific placement rules apply. Need help placing an account? Connect with a market specialist.