Search CompleteMarkets

...at distribute welding supplies, industrial gases, and related equipment. Wheth...l for welding supply distributors, industrial gas companies, and businesses in...

...ins Underwriting: Welding & Industrial Gas Suppliers Program APU's Welding & Industrial Gas Suppliers program is a targeted...ry applications, the Welding & Industrial Gas Suppliers Supplemental Appli...

...cing Direct Bill Plan Industrial and Medical Gas Insurance Acety...gram?Gas distributors, medical and industrial gas suppliers, acetylene manufac...

Overview — Retail Industry Workers Compensation Insurance Don R. Jensen & Company offers a retail industry workers compensation program designed for independent agents and brokers who need reliable, competitively priced coverage for common retail exposures. Our appetite covers a broad set of retail classes — from small neighborhood shops to larger retail locations — with underwriting tailored to the operational risks retail employers face every day. Ideal Accounts and Appetite This program is a good fit for routine retail operations with standard premises and staffing patterns. Typical accounts include: Grocery stores and convenience markets Hardware and wholesale stores Gas stations and car washes Laundromats, barber shops, tanning salons, and florists Accounts with clear safety practices, routine inventory handling, and standard customer interaction exposures are most likely to receive favorable terms. Higher-risk retail operations (extensive food preparation beyond deli counters, heavy manufacturing on-site, massage/spa services with elevated liability concerns, or significant off-site operations) should be discussed with underwriting before submission. Coverage Highlights and Advantages Market access through Don R. Jensen & Company’s wholesale relationships — carriers vary to match the account. Competitive premiums and flexible options for standard retail classes. Experienced underwriting familiar with retail-specific loss drivers such as slips/trips, lifting injuries, and customer-related incidents. Practical submission requirements streamline review and placement. Underwriting Notes and Minimum Premium Underwriting evaluates operations, payroll breakdown, prior loss history, safety programs, and experience modification. Minimum premiums start at $2,000. To accelerate review and improve placement chances, include the following with each submission: Completed ACORD application Three years of currently valued loss runs Experience modification worksheet Send submissions and documentation to [email protected] for underwriting intake. Territories and Availability Don R. Jensen & Company places retail workers compensation across a wide set of states. This program is available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WI. Admitted versus non-admitted placement will depend on the carrier and state regulations; underwriting will identify the appropriate market on submission. Example Accounts That Fit Well A neighborhood grocery with a steady staff and one location looking to renew with an improved loss control plan. A local hardware store seeking a market that understands retail operations and can offer a competitive workers compensation option at standard limits. Why Work With Don R. Jensen & Company As a wholesale broker, Don R. Jensen & Company provides access to multiple carriers and tailored underwriting for retail accounts. We help you place standard retail risks efficiently and offer responsive underwriting review when accounts require clarification. For more company information and additional coverage details, visit www.drjco.com. Frequently Asked Questions What types of retail accounts are a good fit for this program?Routine retail operations with customer-facing premises and standard inventory handling — grocery stores, hardware stores, laundromats, gas stations, barber shops, florists, and similar classes — are a strong fit. Accounts with unusual exposures should be discussed with underwriting first. What do you need to submit for a quick review?Include a completed ACORD application, three years of currently valued loss runs, and an experience modification worksheet. Email submissions to [email protected] to begin underwriting. Is this coverage available everywhere?The program is available in the states listed above. Whether coverage is provided on an admitted or non-admitted basis depends on the carrier and the state; underwriting will confirm placement options on a per-submission basis. What is the minimum premium?Minimum premiums start at $2,000. Final pricing is subject to the insured’s payroll, class codes, loss history, and selected carrier terms. Need help placing an account? Connect with a market specialist.

Beauty Insurance Consultants is your trusted partner for Cosmetic Industry Insurance. As a specialized program under VAIL - Value Added Insurance Lines, we offer tailored coverage solutions for a broad range of businesses in the cosmetics and personal care sectors. Whether you're working with a boutique skincare line or a global cosmetics distributor, our program is designed to address the unique exposures of this dynamic industry. Ideal Accounts and Appetite Our program is built to serve the full supply chain of the cosmetic and personal care industry, including: Cosmetic Manufacturers Distributors, Importers, and Exporters Raw Material and Component Suppliers Retailers and Wholesalers (online and brick-and-mortar) OTC Product Suppliers Beauty and Spa Equipment Vendors Spas and Salons If you're placing coverage for a start-up cosmetics lab, an established spa franchise, or a packaging supplier, we have the flexibility and expertise to help you secure the right insurance solution. Coverage Highlights and Program Features Product & General Liability tailored to cosmetic products Occurrence Form available for broader protection Liability limits up to $1,000,000 with unlimited umbrella capacity Blanket Additional Insureds and Broad Form Vendors coverage Demonstrators Liability for in-store or event sampling Industry-specific property enhancements available Worldwide coverage for both liability and property Coverage for Ocean & Inland Marine, Business Auto, and more Additional Benefits and Flexibility Low minimum premiums — making it accessible for emerging brands Various deductible options for customized risk tolerance Supplier Certificate Review as part of risk management support Territories and Program Availability This program is available nationwide in all 50 states, including DC. From California to New York, our reach ensures you can place business across a wide geographic area with confidence. Why Work With Beauty Insurance Consultants Through VAIL As a division of VAIL - Value Added Insurance Lines, Beauty Insurance Consultants brings focused expertise to an evolving and competitive industry. We understand the regulatory, reputational, and product liability risks that beauty and cosmetic businesses face. Our team offers responsive service, flexible underwriting, and solutions that keep pace with the market — whether your client is launching a new serum or distributing wellness products globally. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include cosmetic manufacturers, distributors, importers, retailers, spas, and beauty equipment suppliers. We can accommodate both startups and established businesses. Is there a minimum premium for this program?No, there is no set minimum premium, making it accessible for smaller or emerging businesses in the cosmetic industry. What coverage forms are available?We offer occurrence form coverage, which provides protection for claims that occur during the policy period, regardless of when they are reported. Can this program cover international exposures?Yes, worldwide coverage is available for both liability and property risks, which is beneficial for clients with global operations or exports. In which states is this program available?The program is available in all 50 states and Washington, DC, offering broad flexibility for agents placing business across the country. Need help placing an account? Connect with a market specialist.

Ethical, Dedicated, Dependable — Problem Solvers with Deep Lumber Industry Expertise The staff at American Lumber Underwriters has been serving the Wood Products industry for many years. During that time we built an all-lines specialty market to address your clients' wood products needs, continually improving our coverages and service model to match industry exposures and agent expectations. Our Wood Products program is designed to meet the unique needs and challenges faced by companies in the lumber, millwork, and building materials sectors. Coverages Offered: • Commercial Auto • Inland Marine • Property • Crime Coverage • Commercial Umbrella • Workers Compensation • Employers Liability • Equipment Breakdown • Logging Equipment • General Liability • Employment Practices Liability *We also offer competitive stock throughput. We consider most industries, with the exception of tobacco and cell phone products. Any client involved in manufacturing wood products, or in the wholesale and retail distribution of hardware, lumber, and building materials, may qualify for our Wood Products program. We pair underwriting experience in the lumber trade with flexible coverages and a focus on loss control and claims service. Target Classes: • Millwork • Cabinet Manufacturers • Saw Mills • Pallet Manufacturers • Hardwood Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers • Hardware Stores • Truss Manufacturers • Plywood Manufacturers • Rental Equipment Dealers • Wood product manufacturers NOC • Building Material Dealers and Distributors Program Highlights and Advantages Industry-focused underwriting that recognizes the seasonal, processing, and inventory risks unique to lumber and wood products. All-lines capability — place Property, GL, Auto, Inland Marine (including stock throughput), Workers' Compensation and more through a single program. Customizable solutions and competitive terms for accounts that fit our appetite, backed by a managing general underwriter with deep lumber experience. Proactive loss control emphasis and experienced claims partners to help manage frequency and severity in high-exposure operations. Underwriting Notes and Minimum Premiums We typically require a minimum premium of $10,000 for most classes. Sawmills generally have a higher minimum premium of $20,000. Appetite is broad across wood products, but we exclude tobacco and cell phone product lines. Use this program for accounts where you need industry-aware underwriting, stock throughput solutions, or tailored inland marine and property programs. Territories and Licensure Available in most states. American Lumber Underwriters operates as a Managing General Underwriter and offers this Wood Products program 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 Admitted status: Most Available States. Why Place Wood Products Business with American Lumber Underwriters Specialized lumber and wood-products underwriting — we understand the operational risks and valuation challenges agents encounter in this sector. Single-source access to multiple coverages, simplifying placement for accounts that need coordinated limits and terms. Responsive underwriting and a service-oriented approach focused on loss control and claim outcomes. Example Accounts That Fit Well A regional lumberyard with mixed retail and wholesale operations seeking property, GL, inland marine for stock throughput, and a commercial auto package. A cabinet manufacturer requiring equipment breakdown coverage, general liability, and workers' compensation with industry-aware rating and loss-control recommendations. If you are interested in learning more about American Lumber Underwriters and the programs we offer, please email or call one of our experienced team members for submission requirements and quoting instructions. You can also view our company profile and storefront on CompleteMarkets: Company Profile | Wood Products Storefront Frequently Asked Questions What types of accounts are a good fit for the Wood Products program?Accounts handling lumber, millwork, cabinets, pallets, trusses, plywood, and building material distribution are ideal. We look for operations with measurable loss-control practices and standard exposures—sawmills and larger processing facilities are considered but have a higher minimum premium. What are your minimum premiums and special underwriting requirements?Minimum premiums are generally $10,000 for most classes and $20,000 for sawmills. We review operations, inventory management, fire protection, and loss history as part of our standard underwriting. Stock throughput is available and competitively priced for qualifying accounts. Which states is the program available in?The program is offered in most states (see the states list in this storefront). We operate as a Managing General Underwriter and can discuss admitted versus non-admitted placement options depending on the risk and state requirements. Are there classes or industries you will not consider?We consider most wood-related and building materials businesses but do not write accounts whose primary products are tobacco or cell phone products. Certain high-hazard or unusual operations may be referred or declined after review. How do I submit a prospect for consideration?Prepare current loss runs, a completed ACORD application or equivalent, values (including stock and equipment), and a description of operations. Reach out to our underwriting team through the contact methods listed on our CompleteMarkets profile to confirm submission requirements for the specific class. Need help placing an account? Connect with a market specialist.

...rts suppliers Chemicals and industrial supplies Plastics and molded co...ibutors, or importers of consumer, industrial, or specialty products are ideal...