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Dietary Supplement / Nutraceutical Liability Insurance from Citadel Insurance Services Citadel Insurance Services offers specialized liability coverage designed for manufacturers, importers, distributors, and formulators in the dietary supplement, nutraceutical, and cosmetic industries. Our NutriPRO program provides broad, flexible protection tailored to the unique risks in this evolving market segment. Target Markets and Ideal Accounts This program is an excellent fit for: Manufacturers, importers, and distributors of dietary supplements, herbal products, and nutraceuticals Cosmetics manufacturers and distributors Contract manufacturers and private label formulators If you have clients launching a new line of protein powders, distributing herbal remedies, or producing custom skincare products, this program may be a strong placement option. Program Benefits and Coverage Highlights NutriPRO offers robust coverage through a top-rated carrier (A+ XV) with competitive terms and flexible options, including: General Liability and Products/Completed Operations ISO Occurrence-based GL with Claims-Made Products Liability (not Claims-Made and Reported) Zero deductible options for both Premises/Operations and Products Liability Superior policy language including clear definitions of “Bodily Injury” and “Damages” No Mold or Silicosis exclusion on product-related claims Minimum premiums starting at $2,200 Key endorsements included: Additional Insured – Vendors, Waiver of Subrogation, Primary and Non-Contributory wording Additional benefits such as Identity Theft coverage, Medical Payments, Damage to Rented Premises, Punitive Damages (where allowed), and TRIA (Terrorism Risk Insurance Act) coverage Rapid quoting and flexible financing options Optional Enhancements Customize your client’s protection with optional coverages such as: Hired and Non-Owned Auto Liability Voluntary Product Withdrawal Employee Benefits Liability Stop Gap Liability Property in Your Care, Custody & Control Non-Auditable Policy Underwriting and Minimum Premiums Minimum premiums begin at $2,200, with aggressive rating factors that help keep your client’s costs competitive. Our underwriting team understands the nuances of the supplement and cosmetic industry, enabling faster decisions and tailored solutions. Program Availability This program is available on a non-admitted basis in all 50 states including DC. Whether your client operates regionally or nationally, we can help you place the right coverage. Why Work With Citadel Insurance Services? As a Managing General Agency and E&S Broker, Citadel Insurance Services brings deep industry knowledge and underwriting expertise to niche markets. Our NutriPRO program is backed by a top-tier carrier and built for speed, flexibility, and comprehensive protection. We make it easy for you to quote and bind coverage, so you can focus on growing your book with confidence. Contact us today for more information on our NutriPRO - Dietary Supplement / Nutraceutical Liability Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for manufacturers, importers, and distributors of dietary supplements, herbal products, cosmetics, and nutraceuticals, including contract manufacturers and private labelers. Is this coverage available in all states?Yes, the program is available on a non-admitted basis in all 50 states and Washington, DC. What is the minimum premium for this program?Minimum premiums start at $2,200, with flexible financing options available. Does the policy include coverage for product withdrawals?Yes, voluntary product withdrawal coverage is available as an optional add-on. How quickly can I get a quote?Citadel offers rapid quoting to help you secure coverage for your clients quickly and efficiently. Need help placing an account? Connect with a market specialist.

Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across 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. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.

...erages, craft sodas, or alcoholic drinks such as beer or spirits, this program...olic beverage bottling (juices, soft drinks, flavored water, etc.) Craft bre...

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a specialized Liquor Liability Insurance program tailored to meet the needs of businesses that manufacture, sell, serve, or distribute alcohol. Designed for agents and brokers looking to place liquor liability coverage for a variety of small to mid-sized risks, this program provides flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Bars and Taverns: We provide coverage for small to mid-sized bars and taverns with alcohol sales of $500,000 or less. Ideal risks will have no liquor-related losses or violations in the past five years, moderate drink specials or happy hours, and a non-youthful clientele. This program is suitable for neighborhood pubs and casual lounges with stable operational histories. Restaurants: Our restaurant appetite includes dine-in establishments with alcohol sales of $1 million or less. Accounts should have no violations or claims in the past five years, and offer moderate drink promotions. Examples include mid-scale bistros, grills, or family-style restaurants that offer full-service dining with a bar component. Retail Stores: This product covers retail establishments that sell or distribute alcohol for off-premises consumption. We target risks with alcohol revenues of $2.5 million or less and clean loss histories for the past five years. Multi-location risks are eligible with a breakdown of receipts per location. Automatically included is an aggregate per location endorsement. Eligible classes include liquor stores, convenience stores, and wholesale and retail distributors. Non-Profit Private, Fraternal, and Social Clubs: Our “Club Select” product is crafted for nonprofit clubs with annual alcohol sales of $500,000 or less. Preferred risks have no claims or violations in the last five years, do not offer drink specials or happy hours, and limit entertainment to banquet events. Club members are automatically included as insureds under the policy. Other Eligible Risks: We also consider a variety of other classes, including on-premises banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. If your client’s business involves alcohol and does not fit traditional categories, we may still have a solution. Underwriting Considerations: As a Managing General Agency, Insurance Markets Agency, Inc. works with a variety of carriers to find the right fit for your client. The program is written on a non-admitted basis, allowing for greater flexibility. Minimum premiums vary based on class and risk characteristics. Availability: This Liquor Liability Insurance program is currently offered in Pennsylvania (PA) and New Jersey (NJ). We are actively seeking appointed agents and brokers with clients in these states. Why Work with Insurance Markets Agency, Inc.? With decades of specialty insurance experience, we offer agents responsive service and underwriting expertise in the liquor liability space. Whether you’re placing a local bar with clean operations or a private club with banquet liquor exposure, our team can help you secure the right coverage quickly and efficiently. For more information on our Liquor Liability Insurance or any other product we offer at Insurance Markets Agency, Inc., please contact us at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?We target small to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales. Are multi-location risks eligible for coverage?Yes, we can consider retail stores and other operations with multiple locations, provided you submit a breakout of alcohol receipts for each location. Is this program written on an admitted or non-admitted basis?This program is written on a non-admitted basis to provide more underwriting flexibility for unique risks. What states is this program available in?Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program?Yes, our Club Select product is specifically designed for nonprofit private, fraternal, and social clubs with modest alcohol sales and no recent violations. Need help placing an account? Connect with a market specialist.

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MANUFACTURER'S & DISTRIBUTOR'S INSURANCE Coverage's to include: General Liability (including Product Liability) Excess Liability Property Professional Liability (E&O) Directors & Officers (D&O) Employment Practices Liability Pollution Liability Risk Appetite (including but not limited to): Machinery & Equipment Chemicals Electronics Clothing Pharmaceuticals Neutroceuticals Medical Devices Food & Drink Products Child/Infant-related Products Cosmetics Automotive Parts Wood Products Ingestibles Animal Products Metal Products Tough Products E-Cig/Vaporizers Program Highlights: Minimum Premiums starting at $500 Access to over 40 markets All carriers AM Best A-rated or better In-house binding authority for select risks Domestic and London-based market options Overview of the Program From Ck Specialty Insurance As a family-owned and operated MGA and Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. brings deep underwriting expertise and broad market access to support your manufacturing and distribution clients. Through our Manufacturer's & Distributor's Insurance Program, we help retail agents place complex and specialty risks in a wide range of product sectors. We specialize in helping you navigate hard-to-place or emerging risks with tailored solutions from A-rated carriers. Our wholesale relationships span more than 40 markets, including both domestic and London-based options, allowing us to provide flexible terms and competitive pricing for your clients. Ideal Accounts and Appetite This program is well-suited for a diverse range of manufacturing and distribution clients, including but not limited to: Pharmaceutical and Nutraceutical manufacturers Medical device producers and distributors Machinery, electronics, and automotive parts suppliers Cosmetics, food & beverage, and ingestible product companies Infant and child product manufacturers Firms involved in e-cigarette or vaporizer production If you’re working with a distributor of imported consumer electronics or a manufacturer of private-label cosmetics, this program is designed to handle their unique liability exposures. Coverage Highlights and Advantages Through this program, you can provide your clients with comprehensive protection that addresses the full spectrum of operational and product-related risks. Key coverage options include: Product Liability – critical for manufacturers and importers Pollution Liability – for chemical, industrial, or food-related operations Professional and D&O Liability – for companies offering design, consulting, or executive services Employment Practices Liability – for HR-related exposures In-house binding authority allows for quicker turnarounds on qualified risks, helping you respond faster to client needs. Underwriting Notes and Minimum Premiums We accept a wide range of risk classes and sizes, with minimum premiums starting at just $500. All carriers are A-rated or better by AM Best, ensuring your clients receive quality coverage backed by financial strength. Our underwriting team takes a collaborative approach, working closely with agents to structure the best possible terms. Territories and Availability This program is available to retail agents and brokers in Arizona (AZ), California (CA), Colorado (CO), and Texas (TX). We operate on a non-admitted basis, allowing us to tailor coverages for unique or hard-to-place risks outside of standard market appetite. Why Work With Ck Specialty Insurance? Ck Specialty Insurance is more than a wholesaler—we’re your strategic partner in placing specialty risk. As a Western-based, family-run operation, we understand the needs of regional businesses and the agents who serve them. With access to a wide range of surplus lines markets and a commitment to responsive service, we help you open more doors for your clients. Manufacturers & Distributors Insurance Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of products such as pharmaceuticals, medical devices, electronics, cosmetics, food and beverage items, and more—including higher-risk classes like chemicals and e-cigarettes. Is this program available on an admitted basis?No, this is a non-admitted program, which allows us to offer flexible solutions for difficult-to-place or emerging risks. What is the minimum premium for this program?Minimum premiums start at $500, depending on the risk profile and coverage selected. Can you help with accounts that need Pollution or Product Liability coverage?Yes, we offer both Pollution Liability and Product Liability as part of the program, making it suitable for businesses with significant environmental or product-related exposures. What states is this program available in?This program is currently available in Arizona, California, Colorado, and Texas through licensed retail agents and brokers. Need help placing an account? Connect with a market specialist.