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Manufacturing Insurance Program from Citadel Insurance Services Citadel Insurance Services places hard-to-insure manufacturing accounts through a dedicated Manufacturing Insurance Program tailored for independent agents and brokers. As a Managing General Agency (MGA), we leverage broad carrier relationships to provide creative solutions for niche, high-liability, and emerging manufacturing operations. Whether the client is a small startup or an established producer, our underwriters work with you to align coverages to the account’s unique exposures. Ideal Accounts and Appetite We write a wide range of manufacturing classes, including accounts that are often difficult to place. Target classes include: Consumer products and small appliances Recreational and sporting goods Life science and nutraceutical manufacturers Dietary supplements and nutraceuticals Children’s products and toys Marine and electrical products Plastics, chemicals, and component suppliers Fireworks, pyrotechnics, and other high-liability items Typical fits include manufacturers with complex product liability exposures, accounts that source components globally, and firms with specialized processes or small-batch production. We are also comfortable reviewing accounts with prior claims or loss history that other markets have declined. Example scenarios you might place with this program: A small nutraceutical manufacturer launching a new supplement line that needs product liability and completed operations limits to support retail distribution. A regional maker of recreational equipment with unique components sourced overseas seeking GL, product liability, and equipment coverage where admitted options are limited. Coverage Highlights and Advantages Citadel’s manufacturing markets provide a full package of coverages designed for product-centric risks: General Liability tailored for manufacturing operations Product Liability and Completed Operations Property coverage for manufacturing facilities and equipment Excess Liability / Umbrella solutions We work with multiple admitted and non-admitted carriers so you can secure the right combination of price, capacity, and terms for each account. Our markets can accommodate international distribution risks and component-sourcing exposures when required. Underwriting Notes and Minimum Premiums Underwriters at Citadel focus on pragmatic placement—assessing operations, controls, distribution channels, and claim history to determine appropriate terms. Minimum premiums start at $2,500, with final pricing dependent on risk characteristics, limits, and coverages selected. Provide detailed product descriptions, production volumes, distribution territories, and loss runs to speed placement. Territories and Availability The program is available across the United States, including all 50 states and Washington D.C. Some markets are offered on an admitted basis depending on the state and product class; for more complex or high-exposure risks we can place coverage non-admitted when necessary. We’ll help you identify the best admitted or non-admitted option for your client’s jurisdiction and operations. Why Work with Citadel Insurance Services? As an MGA, Citadel combines underwriting expertise with access to diverse carrier capacity. Agents benefit from: Underwriting focus on manufacturing and product liability exposures Flexible placement options across admitted and non-admitted markets Responsive quoting and tailored coverage structures for hard-to-place risks Support for accounts with prior claims or unusual product lines We partner with agents to grow manufacturing business by finding markets that will write complex or niche accounts. If you have a manufacturing risk that other carriers have declined or quoted restrictively, Citadel can often provide alternative solutions. Please contact us for more information on our Manufacturing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program? This program is well-suited for manufacturers of consumer goods, dietary supplements, recreational products, chemicals, and other niche or high-liability products—including accounts that have been hard to place elsewhere. Are admitted markets available through this program? Yes. Some admitted markets are available depending on the state and product class. For more complex risks or where admitted capacity is limited, we can access non-admitted markets. What is the minimum premium for this program? Minimum premiums start at $2,500. Final premium depends on the account’s exposures, limits, and coverage selections. Can this program handle manufacturers with prior claims? Yes. Citadel specializes in hard-to-place risks and frequently reviews accounts with prior losses; eligibility depends on the details of the loss history and current risk controls. Which states is the program available in? The program is available in most states across the U.S., including all 50 states and Washington D.C. Availability of admitted markets will vary by state and class. Need help placing an account? Connect with a market specialist.

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.

... You might have a client who manufactures industrial tools or electrical com...

Monarch Partners Group LLC (MPG) is a program administrator with more than 25 years placing standard and alternative-market workers’ compensation solutions nationwide. For independent agents and brokers who need competitive options for high-risk or hard-to-place manufacturing accounts, MPG’s Manufacturing Workers' Compensation Insurance Program delivers tailored underwriting, flexible structures, and quick placement. Overview of the Program From Monarch Partners Group MPG’s Manufacturing Workers' Compensation Insurance Program is built for manufacturers who struggle to secure coverage in traditional markets—including accounts with elevated experience mods, adverse loss histories, or high-rate class codes. A signature feature is the Payroll Opt-out Work Comp Program (POWC), which lets qualifying risks retain their own payroll and tax operations while accessing MPG’s master policy pricing and services. Ideal Accounts and Appetite This program is a fit when you’re placing: Mid-size to large manufacturers targeting $50,000+ in annual premium Accounts with high-debit Xmods or a history of claims Risks with higher-cost manufacturing class codes Clients who need flexible payroll solutions or pay-as-you-go billing New ventures or accounts returning after a lapse in coverage Example: you might have a manufacturer with a $100,000 projected premium and an Xmod of 1.5 that traditional carriers are declining. MPG’s program — especially the POWC structure — can often provide competitive placement where admitted markets fall short. Coverage Highlights and Advantages MPG’s manufacturing program gives agents access to features that help place difficult risks: Placement with “A”-rated carriers where available Broad class code acceptance and nationwide availability Payroll Opt-out (POWC) structure for clients who want to keep payroll and tax control Pay-as-you-go premium options to improve client cash flow Both guaranteed cost and deductible plan structures No automatic Xmod or loss ratio exclusions—cases are reviewed on their merits Support for mid-term placements and new business startups Optional bundled services such as HR tools and payroll processing With POWC, larger employers can issue payroll from their own accounts and minimize employee paperwork while benefiting from MPG’s master policy rates and loss-control resources. Underwriting Notes and Minimum Premiums Minimum premium for the POWC structure is $100,000. Typical submission requirements include: Completed ACORD 130 Three years of currently valued loss runs Current policy declarations or applicable PEO rates Experience mod worksheet (Xmod) Any relevant supplemental information (safety programs, return-to-work policies, etc.) Underwriting is case-by-case. MPG’s team reviews large or complex manufacturing risks with a flexible approach—provide complete submissions to speed quoting. Territories and Availability MPG’s Manufacturing Workers’ Compensation Program is available nationwide, including all 50 states and DC. Coverage availability and admitted/non-admitted placement can vary by state and case characteristics; discuss specific state requirements with your MPG market specialist. Why Work With Monarch Partners Group Monarch Partners Group stands out for deep underwriting experience in difficult placements, fast turnaround, and strong carrier relationships. Agents benefit from direct access to MPG’s in-house underwriters, practical risk-management tools, and flexible program structures designed for manufacturing exposures. If you’re facing a large or distressed manufacturing account that’s hard to place, MPG offers a realistic alternative to standard markets. Frequently Asked Questions What types of manufacturing accounts are a good fit for this program?Mid-to-large manufacturers with $50,000+ in premium, elevated Xmods, difficult class codes, prior losses, or coverage gaps are the primary targets. What is the Payroll Opt-out Work Comp Program (POWC)?POWC lets qualifying employers remain on their own payroll and tax systems while accessing MPG’s master workers’ compensation policy pricing and services. Is pay-as-you-go premium billing available?Yes. MPG offers pay-as-you-go options to help clients manage cash flow and avoid large upfront premium payments. Are new ventures eligible for this program?Yes. New manufacturing ventures can be eligible if they meet underwriting criteria and provide the requested supporting information. How fast can I get a quote?MPG aims for quick turnaround when full submission documents are provided—complete ACORDs, loss runs, and Xmod worksheets accelerate the quote process. Need help placing an account? Connect with a market specialist.

Manufacturing, Wholesaling, and Importing Insurance — Citadel Insurance Services Citadel Insurance Services offers a specialized Excess & Surplus Lines program for manufacturers, wholesalers and importers. Our Manufacturing, Wholesaling, and Importing Insurance program is built to place hard-to-place product and distribution risks—from small domestic manufacturers to complex importers and national wholesalers. As an E&S broker with placement relationships across a selective carrier panel, Citadel helps you find capacity where admitted markets may decline or limit terms. Overview of the Program This program is designed for agents who need flexible E&S solutions for product-exposure businesses. Citadel leverages relationships with carriers including Great American, Markel, Lloyd’s, First Mercury, Lexington and Kinsale to offer broad liability solutions, excess/umbrella layers, and ancillary coverages appropriate to manufacturing, wholesaling and importing operations. Ideal Accounts and Appetite Manufacturers of consumer goods, industrial parts, electronics and plastics Wholesalers and distributors with national or international channels Importers and brokers handling foreign-sourced goods for U.S. distribution Specialty product lines such as juvenile products, toys, sporting goods, marine and aviation components We also consider higher-risk product lines (fireworks, chemicals, firearms and performance auto parts) on a case-by-case basis and typically require enhanced underwriting information for these classes. Coverage Highlights and Advantages Primary general liability and products/completed operations liability designed for product exposures Excess/umbrella limits and higher-capacity placements through our E&S carrier panel Flexible placement for importers with inland marine or shipment-related exposures Ability to structure layered placements for mixed operations (manufacture + distribution + import) Underwriting focused on product lifecycle risk management—manufacturing controls, testing, labeling and distribution controls Underwriting Notes and Minimum Premiums Typical submissions should include product descriptions, revenue by territory, distribution channels, loss history, quality control/testing procedures and any recall or regulatory history. Citadel’s E&S placement approach means underwriters expect detailed information for higher-severity exposures. Minimum premium: $1,500. Higher minimums may apply depending on class, limits and carrier selection. We frequently request risk-control measures and documentation for imported goods (supplier audits, compliance with U.S. standards, labeling). Appetite Limits and What May Not Fit Good fits: manufacturers and distributors with documented quality controls, consistent product lines, and manageable recall exposure. We are willing to consider complex import/export operations and mixed manufacturing/distribution businesses. Fits we typically decline or require heavy scrutiny: products with intentional misuse exposure without mitigation, unsupported high-severity claim history, or accounts lacking basic product safety/testing documentation. Certain high-hazard classes may be declined or limited by specific carriers. Territories and Admitted Positioning This program is offered as E&S placements through Citadel Insurance Services and is available 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. Because placements are non-admitted, terms and availability are subject to state E&S rules and carrier appetite. Why Work with Citadel on These Risks Specialized underwriting focus on product and distribution risks Access to multiple E&S markets with tailored placement strategies Practical submission guidance to improve placement outcomes Experienced handling of mixed operations (manufacture + wholesale + import) Example Accounts Example 1: You have a regional wholesaler importing outdoor recreation products from overseas with U.S. distribution to retailers. The client has solid supplier testing records but needs product liability capacity and inland-marine coverage for shipments—this program can combine liability and shipment solutions through E&S carriers. Example 2: You represent a small manufacturer of protective apparel selling to industrial clients and retailers nationally. Admitted markets limited terms due to previous product claims; Citadel can pursue excess capacity and structured E&S placements informed by the client’s quality controls and loss mitigation plans. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Manufacturing, Wholesaling, and Importing program?Accounts that manufacture, distribute or import physical products—especially those with product liability exposure or complex distribution channels. Good fits have documented quality control, sales/territory detail and manageable loss history. Which coverages and carriers are available through this program?We place primary and excess liability solutions, products/completed operations and specialty placements tied to shipment or import exposures. Citadel works with carriers such as Great American, Markel, Lloyd’s, First Mercury, Lexington and Kinsale to secure capacity. Is this program placed on admitted paper?This program is positioned through Excess & Surplus Lines placement and is generally non-admitted. Availability and requirements depend on carrier appetite and state E&S rules. What information should I include in a submission?Provide product descriptions, annual revenue and sales by state/territory, distribution channels, loss history, manufacturing/testing controls, supplier documentation for imports and any prior recall history. More detail improves the chance of favorable terms. What is the minimum premium?The program’s typical minimum premium starts at $1,500; final minimums depend on class, limits and carrier selection. Need help placing an account? Connect with a market specialist.

Tool manufacturers face distinct workers compensation risks because of the physical nature of production, the use of specialized machinery, and the potential for on-the-job injuries. Novatae Risk Group offers a dedicated Tool Manufacturing Workers Compensation Insurance program built for this sector. Through our underwriting partner Empire Underwriters and more than 30 years of manufacturing underwriting experience, we deliver tailored E&S solutions and responsive service to help you place these accounts. Ideal Accounts and Appetite: This program fits small- to mid-sized tool manufacturers, including tool and die shops, precision CNC and milling operations, metal stamping facilities, and custom tool fabricators. We prefer accounts with clearly defined operations, formal safety programs, and predictable payroll mixes. New ventures may be considered if the owner/operator has relevant experience and documented safety controls. Example: you might have a 25-employee client running CNC machines and stamping presses across multiple states — we can help you secure a competitive workers comp placement with efficient turnaround. Coverage Highlights and Advantages: Workers Compensation coverage tailored to tool manufacturing exposures Non-admitted (E&S) placement options where standard markets are limited Fast quote turnaround with a complete submission 10% commission for appointed agents Available in over 20 states Underwriting Notes and Minimum Premiums: Minimum premium for this program starts at $7,500, which makes it accessible for a wide range of small and mid-sized manufacturers. To obtain a quote, provide a complete submission including: An ACORD 130 application Three years of currently valued loss runs A completed supplemental questionnaire Details on any large or unusual losses Territories and Availability: This non-admitted program is available in more than 20 states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. For the full list of eligible states or specific state requirements, contact our underwriting team. Why Work With Novatae Risk Group: As a Managing General Underwriter and E&S broker, Novatae Risk Group gives agents access to specialized markets and programs that meet niche manufacturing needs. Our underwriting team has deep experience with manufacturing exposures and provides pragmatic, industry-focused guidance. We partner with brokers to place difficult or non-standard workers comp accounts—offering quick responses and a streamlined placement process. Need a quote for your tool manufacturing client? Send an email to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for small- to mid-sized tool manufacturers, including CNC machine shops, metal stamping operations, and tool & die makers that have well-defined operations and documented safety practices. Is this program available for new ventures?New ventures may be considered on a case-by-case basis. Underwriters look for relevant owner/operator experience and evidence of effective safety protocols; a complete submission is required for review. What is the minimum premium for this program?The minimum premium starts at $7,500, which accommodates many smaller manufacturing operations seeking E&S solutions. Which states is this program available in?This non-admitted program is available in over 20 states, including CA, FL, TX, NY, IL, GA and others. Contact underwriting for the full list of eligible states and any state-specific considerations. What submission documents are required to get a quote?Provide an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and any details about large losses to enable a timely quote. Need help placing an account? Connect with a market specialist.

...perations. Whether your client manufactures tools, fasteners, fittings, or met...

Manufacturers/Distributors/Importers Insurance Program CoverX Specialty offers a tailored insurance solution for manufacturers, distributors, and importers — especially businesses handling moderate- to high-hazard products or operations. The program accommodates both larger, complex accounts and smaller firms that are often underserved. With flexible underwriting and no strict minimum premium thresholds, CoverX Specialty gives agents and brokers a competitive placement option for hard-to-place manufacturing risks. Ideal Accounts and Appetite CoverX Specialty is a strong market for clients that manufacture, distribute, or import a wide range of products — particularly where exposures are moderate to high but claims frequency is low. Typical fits include industrial equipment, tools, machinery, automotive components, and many consumer products (see ineligible classes below). Examples you may place here: a metal components fabricator with controlled shop operations, or an importer of home improvement tools with established testing and quality controls. Ineligible Products: • Critical aircraft products • Latex gloves • Tobacco products • Nuclear-related products Coverage Highlights and Advantages The Manufacturers Insurance program from CoverX Specialty delivers broad, flexible coverage tailored to manufacturing/distribution exposures: Primary general liability: $1,000,000 per occurrence / $2,000,000 aggregate Umbrella/excess liability available up to $10,000,000 Policies available on a claims-made or occurrence basis Options for self-insured retentions and deductibles Discontinued products liability coverage ISO-based forms with manuscript endorsements for customized needs Underwriting Notes and Minimum Premiums CoverX Specialty focuses on well-managed risks. While minimum premiums vary by account size and exposure, the program’s flexible approach means small accounts are considered — there are no rigid minimum premium thresholds. Submissions with clear product descriptions, safety and quality control protocols, manufacturing processes, and loss history will get the most efficient review. Territories and Availability This program is offered on a non-admitted basis and is available 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 CoverX Specialty? CoverX Specialty combines focused underwriting expertise with access to a wide panel of carriers to deliver tailored solutions for manufacturers, distributors, and importers. Their flexibility on account size and endorsement options makes them a strong partner when you need to place complex or niche manufacturing risks. Whether you’re placing a startup with evolving product lines or an established manufacturer with significant product-liability exposure, CoverX Specialty can help find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this program?Manufacturers, distributors, and importers of moderate- to high-hazard products with low claims frequency. Examples include metal goods, machinery, tools, automotive components, and many consumer products (excluding the ineligible classes listed above). Are smaller accounts eligible?Yes. CoverX Specialty accepts small accounts and uses flexible underwriting rather than strict minimum premium thresholds, making it suitable for underserved risks. What coverage limits are available?Primary limits of $1,000,000/$2,000,000 are standard, with umbrella or excess liability available up to $10,000,000. Is the program available in my state?The program is available on a non-admitted basis in most U.S. states, including major markets such as CA, TX, NY, and FL. See the availability list above for specific states. What are the ineligible product classes?CoverX Specialty will not write coverage for critical aircraft parts, latex gloves, tobacco products, or nuclear-related products. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Home Based Manufacturing Insurance Are you placing accounts that manufacture cosmetic or personal care products from a residential location? Professional Program Insurance Brokerage (PPIB) offers a focused Home-Based Manufacturing Insurance program for small-scale cosmetic manufacturers, private labelers, and boutique distributors who operate from home. The program is built for businesses that formulate, package, and brand their own natural or organic lotions, creams, soaps, salt scrubs, and similar items — not for large industrial plants or facilities using heavy industrial chemicals. Ideal Accounts and Target Appetite PPIB’s Home-Based Manufacturing program targets agents with clients such as: Home-based cosmetic manufacturers and formulators Natural and organic skincare producers Private label brands operating from residential locations Small-batch distributors selling online, at markets, or through retail partners This program works best for insureds who control formulation, packaging, and branding and who use primarily natural/organic ingredients. It is not intended for large-scale, industrial manufacturing, operations using synthetic or regulated chemicals beyond personal care scope, or businesses with heavy production equipment or significant on-site employee exposure. Coverage Highlights and Advantages PPIB provides flexible liability and property solutions tailored to the exposures of home-based cosmetic businesses. Typical coverages include: General Liability for premises and operations Products Liability to address bodily injury or property damage from product use Property coverage for eligible contents and equipment (where applicable) Optional endorsements to address unique risks such as additional product exposure or expanded distribution outlets These options help agents protect clients from claims related to product reactions, labeling errors, packaging defects, and distribution incidents — common risks in small-batch skincare and cosmetics. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis in available states. Underwriting focuses on product type, ingredient transparency, labeling and ingredient lists, good manufacturing practices for small operators, and distribution channels. Agents should be prepared to provide product lists, ingredient declarations, labeling examples, and information about where and how products are sold. Accounts are reviewed individually; underwriting may decline or restrict accounts that exceed the scope of home-based operations or use regulated chemicals. Territories and Availability PPIB’s Home-Based Manufacturing Insurance is broadly available nationwide. The program is open in 48 states plus the District of Columbia and commonly placed in states including CA, TX, FL, NY, IL, and WA. Availability can vary by state and product exposures — submit details for a prompt territory confirmation. Why Work With Professional Program Insurance Brokerage? PPIB is a program administrator with deep experience placing creative and hard-to-place risks. Agents benefit from a responsive underwriting team that understands the nuances of small-batch cosmetics, private labeling, and home-based branding. PPIB provides access to specialty non-admitted capacity that may not be available through standard admitted markets, helping you place clients who need tailored product and liability protection. You might have a client who crafts an organic soap line sold online and at local markets, or a small private-label skincare brand that develops its own formulas and ships nationwide. Those are the types of accounts where this program is intended to help agents secure appropriate limits and endorsements to manage product and premises exposures. Contact PPIB to discuss eligibility and submission requirements so you can place your clients with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for home-based businesses that manufacture natural cosmetic products such as lotions, creams, soaps, and salt scrubs. It’s also suitable for small distributors and private label brands operating out of residential locations. Does the program cover product liability?Yes, products liability is a core component of the coverage and addresses exposures from the sale and use of cosmetic and skincare products. Is this program admitted or non-admitted?This program is offered on a non-admitted basis in most U.S. states through Professional Program Insurance Brokerage. Can clients who sell their products online or in retail stores qualify?Yes. Businesses that sell online, through retail outlets, at markets, or at events are typically eligible provided they meet underwriting guidelines around ingredients, labeling, and operations. What underwriting information is required to submit an account?Underwriters typically request the list of products manufactured, ingredient lists or declarations, copies of product labels, a description of the production area and processes, and details on distribution channels (online, retail, markets, etc.). Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Property and Liability coverages—available on a monoline or package basis—designed for food manufacturing and processing operations within specified classifications. Overview of the Program from Colonial General Insurance Agency, Inc. This program is built for independent agents and brokers who need reliable markets for food manufacturers and processors. Colonial General places accounts through admitted and excess & surplus markets (Some Available Markets / Varies by carrier), giving you options for accounts that require standard admitted paper or more flexible E&S placement. The program combines industry-aware underwriting with capacity for higher limits and specialty coverage features relevant to food risks. Ideal Accounts and Appetite Small to mid-size food manufacturers and processors operating under specified classifications. Typical fits include bakeries and packaged baked goods, snack and confectionery producers, dairy and cheese processors, beverage bottlers, canned and frozen food processors, and similar manufacturers of consumer food products. Good candidates have documented food safety and sanitation programs, routine equipment maintenance (especially refrigeration), and reasonable loss histories. Accounts with ongoing or unresolved contamination/recall histories may require referral to specialty carriers. Coverage Highlights and Advantages Key liability and property features under this Colonial General program include: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate. Hired and Non-Owned Auto and Liquor Liability where applicable. $5,000 Medical Payments—Included. Vendors Additional Insured status available. Limited Product Withdrawal Expense—$5,000 limit—Included. Excess / Umbrella capacity up to $25,000,000 to broaden limits and aggregate protection. Crime coverage options: Inside the Premises—Theft of Money and Securities. Inside the Premises—Robbery or Safe Burglary of Other Property. Outside the Premises coverage. Property coverages commonly available: Accounts Receivable, Building, Contents, and Computer Equipment. Basic, Broad, or Special form property wording; Replacement Cost or Actual Cash Value options. Business Income and Equipment Breakdown. Food Spoilage—$5,000 limit—Included (higher limits available on request). Outside Signs and Valuable Papers. Underwriting Notes and Submission Guidance Provide current loss runs, a description of production processes, revenue by product line, and details on refrigeration/redundancy and food safety programs. Underwriters evaluate product handling, storage temperatures, supplier controls, recall plans, and prior recall history. Accounts with complex chemical processing, on-site slaughter operations, or significant prior contamination losses may face tighter terms or referral to specialty carriers. Minimum premiums and specific terms vary by carrier and state — contact Colonial General for current appetite and target pricing guidance. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Placement may be admitted in some states and non-admitted (E&S) through other markets depending on the account characteristics and carrier appetite. Why Work with Colonial General on Food Manufacturing Business Access to multiple carrier markets (both admitted and E&S) through a managing general agency and excess & surplus lines broker. Program structure that includes food-specific features such as included food spoilage and limited product withdrawal expense. Capacity for elevated umbrella limits (up to $25M) to support accounts with larger liability needs. Underwriting that focuses on the practical exposures of food manufacturing—helping you place accounts efficiently with appropriate coverage forms. Example Account Scenarios You have a regional bakery producing packaged breads and pastries sold to retail chains—seeking property, GL, spoilage coverage and a vendors additional insured endorsement. This program can provide monoline property with food spoilage limits and GL limits up to $3M. A mid-size beverage bottler with refrigerated storage and refrigerated delivery—needs equipment breakdown, spoilage, and umbrella protection. Colonial General can access E&S capacity and excess limits to build a tailored tower. Frequently Asked Questions What types of food manufacturing accounts are a good fit for this program?Small to mid-size manufacturers and processors in specified classifications—examples include bakeries, snack and confectionery producers, dairy and cheese processors, beverage bottlers, and canned or frozen food processors—are generally a good fit when they have documented food safety controls and routine maintenance programs. What limits and specialty coverages are available?Commercial General Liability is available with primary limits up to $3,000,000 occurrence and aggregate, and excess/umbrella capacity up to $25,000,000. Property features include business income, equipment breakdown, and food spoilage (standard $5,000 included; higher limits available). Are placements admitted or non-admitted?Colonial General works with a mix of admitted and E&S markets. Availability depends on the state and the specific risk; some markets are admitted where product and jurisdiction allow, and E&S options are used for harder-to-place or higher-exposure accounts. What should I include with a submission to speed underwriting?Include current loss runs, revenue by product line, descriptions of production and storage processes (especially refrigeration), food safety and recall plans, and photos of facilities if available. These items help underwriters assess exposure and provide quicker, more accurate indications. Need help placing an account? Connect with a market specialist.