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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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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.

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 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.

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.

Manufacturers & Distributors Insurance Independent agents and brokers looking to place manufacturing and distribution risks can rely on Ck Specialty Insurance Associates, Inc. for broad market access, experienced underwriting, and top-tier carrier options. As a Western-based, family-owned MGA and surplus lines broker, Ck Specialty delivers tailored insurance solutions for a wide range of manufacturing and distribution clients — with focused support for agents writing business in Arizona, Nevada, and Oregon. Program Overview The Manufacturers & Distributors Insurance Program is built to help you address complex product, premises, professional, and environmental exposures across production and distribution operations. The program places business with A-rated domestic and London-based carriers, and offers both in-house binding authority and broader brokerage market access — giving you flexible options for standard and more-challenging risks. Ideal Accounts and Appetite Ck Specialty underwriters have a wide appetite across manufacturing and distribution classes. Typical targets include: Machinery & equipment manufacturers Chemical and ingredient distributors Electronics and component producers Clothing, apparel and textile manufacturers Pharmaceuticals and nutraceutical producers Medical device manufacturers Food & beverage product distributors Cosmetics and beauty product lines Children’s and infant goods manufacturers Automotive parts suppliers Wood, metal, and animal-product manufacturers You might have a client launching a contract electronics line with international components or a regional food distributor needing product liability and inland transit coverage — both are examples of accounts this program is structured to place. Coverage Highlights and Advantages The program provides broad cover options to address common manufacturing and distribution exposures. Available coverages include: General Liability (including Product Liability) Excess Liability Property Coverage Professional Liability (E&O) Directors & Officers Liability (D&O) Employment Practices Liability Pollution Liability Access to over 40 markets — including domestic and London capacity — lets you tailor limits and terms to an account’s size and risk profile. In-house binding authority shortens turnaround on many submissions, while brokerage placements expand capacity for complex or higher-limit needs. Underwriting Notes and Minimum Premiums Ck Specialty works with both binding authority and brokerage markets to place standard and hard-to-place risks. Minimum premiums start at $500, making the program accessible to small and mid-sized accounts. Typical underwriting considerations include product toxicity, manufacturing processes, quality control, distribution channels, and prior loss history. Territories and Availability This program is available to licensed retail agents placing business in Arizona, Nevada, and Oregon. All business under this program is placed on a non-admitted basis with A-rated domestic and London-based carriers. Why Work With Ck Specialty Insurance Ck Specialty combines regional focus with deep E&S market relationships. As a family-owned MGA and surplus lines broker, they emphasize responsive underwriting, practical placement solutions, and broad carrier access so you can get accounts bound quickly and competitively. Their team is experienced with the nuances of manufacturing and distribution risks — from product contamination exposure to supply-chain transit liability. 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 fits manufacturers and distributors of machinery, chemicals, electronics, pharmaceuticals, food & beverage, cosmetics, and similar product lines — from small manufacturers to regional distributors. What is the minimum premium for this program?Minimum premiums start at $500, making the program suitable for smaller to mid-sized operations as well as larger accounts where broader capacity is required. What states is this program available in?This program accepts business placed by agents for risks located in Arizona, Nevada, and Oregon. Are the carriers admitted or non-admitted?All business placed through this program is written on a non-admitted basis with A-rated domestic and London-based carriers. Does Ck Specialty have in-house binding authority?Yes. Ck Specialty offers both in-house binding authority for eligible risks and broader brokerage market access when additional capacity or specialized terms are needed. 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.

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.

RPS NIPC proudly offers its specialized Bicycle Manufacturers Insurance program, tailored exclusively for the unique needs of the bicycle manufacturing industry. This comprehensive package policy is written on an admitted basis with an A+XV-rated carrier and is available in all 50 states. Whether you’re working with a small one-person custom frame builder or a large-scale manufacturer and importer, this program is built to accommodate a wide range of risks across the bicycle supply chain. Ideal Accounts and Appetite This program is designed for a broad spectrum of bicycle industry businesses, including but not limited to: Bicycle manufacturers Bike component manufacturers Importers and distributors of bicycles and parts Suppliers of bike-related products such as apparel, footwear, and accessories If you're working with businesses involved in the design, production, or distribution of bicycles or related gear, this program can be a strong fit. Accounts that handle product design, overseas manufacturing, or unique components are also within appetite. Coverage Highlights and Advantages This package policy offers robust protection against a variety of exposures common to the bicycle manufacturing and distribution industry. Key coverages include: Products and completed operations Special property extensions such as valuable papers and records, personal property off-premises, and money and securities General liability, property, and other essential commercial coverages From premises liability to risks associated with product design and manufacturing defects, this program provides the protection your clients need to keep their operations rolling. Underwriting Experience and Minimum Premium This program has been underwritten and managed by the same seasoned professional since its inception in 1990. That continuity ensures a deep understanding of industry-specific exposures and a consistent underwriting approach. The minimum premium for this program starts at $1,750, making it accessible for a wide range of business sizes. Nationwide Availability The Bicycle Manufacturers Insurance program is available in all 50 states and Washington, D.C., including both admitted and surplus lines markets where applicable. Whether your client is based in California, New York, Texas, or anywhere in between, you can place their business confidently through RPS NIPC. Why Work With RPS NIPC? As a specialized Program Administrator, RPS NIPC brings decades of niche underwriting expertise to the table. Our long-standing focus on the bicycle manufacturing industry means we understand the nuances of the risks your clients face. We offer a streamlined underwriting process, responsive service, and access to top-rated carriers. When you partner with RPS NIPC, you’re working with a team that knows the bike industry inside and out. For more information about RPS NIPC and our specialty programs, please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bicycle manufacturers, component makers, distributors, importers, and suppliers of bike-related apparel and accessories. Is the policy admitted and available in all states?Yes, the policy is written on an admitted basis with an A+XV carrier and is available in all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium starts at $1,750, making it accessible for small to mid-sized operations. Can this cover small operations like one-person shops?Yes, the program is flexible enough to accommodate everything from small startups to large-scale manufacturers. Who underwrites this program?This program has been underwritten by the same experienced professional since 1990, ensuring continuity and in-depth industry knowledge. Need help placing an account? Connect with a market specialist.