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Accidents and injuries remain a reality in manufacturing, even with modern safety protocols and equipment. Don R. Jensen & Company gives agents and brokers access to competitive manufacturing workers’ compensation solutions designed to help protect your clients from those occupational risks. As a wholesale broker, Don R. Jensen & Company places manufacturing workers’ compensation with multiple markets. Our program generally starts at a minimum premium of $2,000 and can accommodate a range of manufacturing operations — from small machine shops to larger furniture producers. We work with underwriting partners to help you find practical solutions for standard and harder-to-place accounts. Target Classes We Consider We have appetite for a broad set of manufacturing operations. Examples of class codes we commonly consider include: Machine Shops Millwright Plastics Manufacturing Furniture or Wood Products Manufacturing Concrete/Cement Manufacturing Tool Manufacturing Engine Manufacturing Cloth/Canvas Manufacturing You might have a client running a regional plastics molding shop with 25 employees, or a custom furniture builder expanding into larger contracts — these are the kinds of risks we can help you place. Submission Requirements Completed ACORD application Three years of currently valued loss runs Experience Modification worksheet Please email all submissions to [email protected]. Territories and Program Availability We can write manufacturing workers’ compensation in most states, including CA, TX, FL, NY, IL, and PA. Our admitted status is All Available States, enabling you to service regional and multi-state operations where markets permit. Why Partner With Don R. Jensen & Company? Don R. Jensen & Company brings decades of experience in workers’ compensation placement, with specific insight into manufacturing exposures. As a wholesale broker we provide access to multiple carriers, help navigate underwriting nuances, and work to find competitive pricing and terms for both standard and more challenging risks. Learn more about our capabilities at www.drjco.com or on our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program? This program fits small to mid-sized manufacturers such as machine shops, wood product manufacturers, plastics fabricators and similar operations that have manageable loss histories and standard manufacturing exposures. Is there a minimum premium requirement? Yes. The program’s minimum premium starts at $2,000. Do you require prior coverage or loss history? We generally request three years of currently valued loss runs and an Experience Mod worksheet. Accounts are reviewed individually; manageable loss histories are preferred but not always disqualifying. What states is this program available in? The program is available in most states, including CA, TX, FL, NY, IL, and PA. We can write in all available states where our admitted status applies. Who should I contact to submit an application? Send submissions and required documents to [email protected] for review by our underwriting team.

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Workers Compensation Insurance for manufacturing operations can be especially complex. Electrical equipment manufacturers face unique risks tied to specialized processes, energized work, assembly and testing activities, and potentially costly claims. Novatae Risk Group offers a tailored Electrical Equipment Manufacturer Workers Compensation Insurance program developed in partnership with Empire to address those industry challenges and give agents a reliable market for these accounts. Whether you are moving an existing client to a new carrier or targeting new manufacturing business, Novatae’s program provides a focused option for electrical equipment manufacturers. Our underwriting team and brokers will evaluate accounts for fit within the program’s appetite and structure — helping you place business efficiently. Please contact us at 800-758-8113 to speak with our experienced brokers about your Electrical Equipment Manufacturer Workers Compensation Insurance accounts. Ideal Accounts and Appetite Manufacturers of electrical components and devices Operations involving assembly, fabrication, and testing of electrical equipment Accounts with documented safety programs and moderate-to-good loss histories Typical fits include clients that manufacture circuit boards, transformers, control panels, switchgear, or related electrical assemblies. We will consider accounts with a history of larger losses when accompanied by loss explanations, remediation plans, and strong safety documentation. Example scenarios agents commonly place through this program: A mid-sized control panel fabricator with a formal safety program, lockout/tagout procedures, and three years of stable loss runs. A contract electronics assembler that conducts final testing and calibration on finished boards, with documented training and low frequency of claims. Program Features Only $7,500 Minimum Premium Program Highlights 10% commission for appointed agents Fast quote turnaround with completed submissions Access to multiple markets through Novatae’s carrier relationships Coverage available in over 20 states Submission Requirements ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses States and Availability Coverage is currently available in the following states: 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, WV. Admitted and non-admitted options are available depending on the market and state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche and hard-to-place manufacturing risks. We combine underwriter responsiveness, targeted appetite, and broad carrier access to help you close more workers compensation placements for electrical equipment manufacturers. Our team can guide submission requirements, advise on loss control documentation, and move accounts quickly when fit is confirmed. Do you need a Workers Compensation Insurance Quote for your Electrical Equipment Manufacturer? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers of electrical components, control systems, panels, and other electrical equipment with stable operations and a moderate-to-good loss history. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making the program suitable for mid-sized operations and larger manufacturers. Which states is this program available in?This program is available in over 20 states, including CA, TX, FL, NY, and IL, among others listed above. What documents are needed to submit an account?Submissions should include an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses. How quickly can I expect a quote?Quotes are typically provided quickly once a complete submission is received, thanks to Novatae’s efficient underwriting team. Need help placing an account? Connect with a market specialist.

Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States and Availability This program 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. 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.

Manufacturing Insurance Halcyon Underwriters offers a comprehensive Manufacturing Insurance program designed to support independent agents and brokers in placing quality manufacturing risks with top-rated admitted carriers. With access to multiple markets, we help you deliver tailored solutions for a wide range of manufacturing operations. Ideal Accounts and Appetite We target small to mid-sized manufacturers involved in light to moderate hazard operations. Preferred classes include, but are not limited to: Food and beverage production Plastic and rubber goods manufacturing Metal goods and fabrication shops Wood products and furniture makers Textile and apparel manufacturing This program is a great fit for accounts with clean loss histories and strong risk management practices. We can also assist with more complex risks depending on the class and territory. Coverage Highlights and Advantages Through our network of top admitted carriers, we can help you offer your clients robust coverage packages that may include: General Liability Property and Equipment Breakdown Product Liability and Completed Operations Commercial Auto and Umbrella Workers’ Compensation (in select states) Our underwriting team works closely with you to match your client with the right carrier and coverage structure, helping you win and retain accounts. Underwriting Notes and Minimum Premiums Minimum premium for this program typically starts at $20,000. We look for business with attention to safety, quality control, and well-documented operational procedures. Accounts with prior losses, high-hazard products, or overseas exposures may be subject to additional review. Territories and Availability This Manufacturing Insurance program is available in all 50 states, including Washington, DC. Whether your client operates locally or nationally, we can help you find the right coverage options. Why Work With Halcyon Underwriters? As a trusted wholesale broker, Halcyon Underwriters brings deep market access, responsive underwriting, and a commitment to helping independent agents succeed. We partner with top-rated carriers and offer personalized support to streamline your placement process. For more information or to discuss a specific risk, please contact Jason Mata at [email protected]. We also invite you to explore our website at www.halcyonuw.com for additional program offerings and resources. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized manufacturers in industries such as food processing, plastics, metal goods, furniture, and textiles. Is this program available in all states?Yes, the Manufacturing Insurance program is available in all 50 states plus Washington, DC. What is the minimum premium requirement?The typical minimum premium for this program starts at $20,000, depending on the class and risk profile. Are higher-hazard manufacturing risks eligible?We can consider more complex or higher-hazard risks on a case-by-case basis. Submit details for underwriting review. Which carriers are available through this program?Halcyon Underwriters partners with multiple top-rated admitted carriers to deliver competitive options for your clients. Need help placing an account? Connect with a market specialist.

Dependable Workers' Compensation for Manufacturing Risks Since launching in 2008, SeaBright Insurance Company and Matias Underwriters have provided reliable, industry-focused workers' compensation coverage for manufacturing operations. Our underwriters evaluate each account on its specific exposures, safety controls and loss history to deliver tailored eligibility decisions and competitive pricing. This program is built for agents who need responsive service, disciplined underwriting, and admitted solutions across the program territory. Ideal Accounts and Target Classes SeaBright’s manufacturing workers' compensation program has broad appetite across light- to moderate-risk manufacturing. We write accounts from smaller shops to larger, more complex operations. Target classes include: Bakeries Boot/Shoe Manufacturing Breweries, Distilleries, and Bottlers Box, Paper Goods, and Packaging Manufacturers Brass, Copper, and Sheet Metal Products Electronics and Electrical Apparatus Manufacturing Food Processing and Canneries Furniture and Mattress Manufacturing Glass, Pottery, and Plastics Manufacturing Machine Shops and Tool Makers Pharmaceuticals, Surgical Goods, and Paint Manufacturing Textile Manufacturers and Tailors Publishers and Printers Jewelry, Leather Goods, and Luggage Manufacturing For specialty or niche manufacturing segments, our underwriting team is available to review unique operations and help you place business with confidence. Coverage Highlights and Advantages SeaBright’s workers' compensation program is structured to address common manufacturing exposures while providing straightforward service to producers. Key advantages: Underwriting expertise focused on manufacturing risks Customized underwriting that looks at operations, controls and loss trends Flexible, responsive service from experienced underwriters Strong claims handling and industry-specific claims support Underwriting Notes and Minimum Premium We consider accounts of varied sizes; the program’s minimum premium is $25,000. Underwriting decisions reflect the operation’s scale, safety program, loss history and industry exposures. Typical characteristics of a good fit include stable operations, documented safety protocols, and manageable loss experience. Accounts with frequent, severe losses or unusually hazardous operations may not qualify. Example fits: You might have a regional bakery with centralized safety procedures and a clean loss record seeking admitted coverage across multiple states — this program can be competitive. A mid-sized electronics assembler with formal return-to-work and safety programs could also be a solid fit for SeaBright’s manufacturing appetite. Territories and Availability This program is available in the following states: CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. SeaBright offers admitted coverage in all available territories. Why Work With SeaBright and Matias SeaBright Insurance Company specializes in workers' compensation for niche industries that require focused underwriting and claims expertise. Rated A- IX (Excellent) by A.M. Best*, SeaBright combines financial strength with underwriting discipline. Matias Underwriters is a dedicated commercial brokerage and program administrator with deep experience placing manufacturing accounts. Our team prioritizes quick responses, clear communication, and practical solutions that help you close business efficiently. Contact us today to learn how SeaBright and Matias can support your manufacturing clients: Glenn Matias · Phone: 781.710.8022 · Email: [email protected] Send your submissions to [email protected] *A.M. Best ratings range from “A++” (Superior) to “F” (In Liquidation). Ratings from “A++” to “B+” are generally considered “Secure.” Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for manufacturers with stable operations, documented safety programs, and reasonable loss histories. We target a broad set of manufacturing classes including food processing, electronics, machine shops, and light assembly. What is the minimum premium for submissions?The minimum premium for this program is $25,000. We will consider accounts of different sizes provided they meet underwriting guidelines. In which states is this program available?The program is available in CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. Does SeaBright offer admitted coverage?Yes. SeaBright provides admitted workers' compensation coverage in all program states listed above. Who should I contact for quotes or questions?Contact Glenn Matias at 781.710.8022 or [email protected]. Send submissions to [email protected]. Need help placing an account? Connect with a market specialist.

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

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.

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.