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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.

U.S. Risk Insurance Group, Inc. offers a manufacturing-focused Workers' Compensation program through its UPA division. Backed by an A-rated carrier, this program gives independent agents a competitive placement option for light to medium manufacturing risks. The product is designed to be flexible and easy to place—whether the account is a new venture, an established shop, or a PEO carve-out—while providing responsive underwriting and practical payment options. Products Offered: Guaranteed cost programs and dividend plans (Florida only) Ideal Accounts and Appetite This program targets a broad range of light to medium manufacturing operations. New ventures are eligible and PEO carve-outs are accepted with the required documentation. Typical fits include small metal fabrication shops, regional food packaging facilities, component manufacturers, and similar operations without heavy industrial exposures. Basic eligibility includes a $3,000 minimum premium. Accounts with high-risk work (for example, domestic, aviation, or federal contracts), extensive 24-hour confined-space operations, or active tax liens/bankruptcy are not eligible. Group transportation is limited to no more than five employees per vehicle. If an account has a lapse in coverage, it should be referred to underwriting for review. Coverage Highlights and Advantages Guaranteed cost and dividend plan options (FL only) Online loss runs for faster claims visibility UPAY — As-You-Go payroll reporting to help insureds manage cash flow Direct bill and monthly self-reporting available (5% non-working deposit required) There is no cap on experience modification factors, which increases placement flexibility for accounts with complex loss histories. Height and underground work have limits (no more than 20 feet or 2 stories above ground; no more than 6 feet below ground). Underwriting Notes Minimum premium: $3,000 (no stated maximum) New ventures are eligible Group transportation limited to five employees per vehicle Accounts with a lapse in coverage must be referred to underwriting PEO carve-outs require loss history, a signed PEO/client contract and amendment, and a labor endorsement Height and depth restrictions apply Tax liens and bankruptcies are ineligible State Availability This program is available in most states nationwide, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage in California and Oklahoma is limited and incidental; those states cannot be designated as the governing state for a policy. Why Work With U.S. Risk Insurance Group? As an experienced Managing General Agency, U.S. Risk pairs program expertise with efficient placement services. Agents benefit from underwriting teams that understand manufacturing exposures, access to an A-rated carrier, flexible payment structures, and tools that simplify account management—like online loss runs and UPAY payroll reporting. The UPA division focuses on workers' compensation programs, so you get specialized support when placing manufacturing business. Frequently Asked Questions What types of accounts are a good fit for this program?Light to medium manufacturing operations, including new ventures and PEO carve-outs (with required documentation), are ideal candidates. Is this program available for businesses with 24-hour operations?Yes. Businesses with 24-hour shift work are eligible provided there are no other high-risk exposures that would change underwriting classification. Can I submit an account with a lapse in coverage?You can submit such accounts, but any lapse must be referred to underwriting for review and possible additional requirements. What are the payment plan options?Available plans include UPAY As-You-Go payroll reporting, direct billing, and monthly self-reporting (monthly reporting requires a 5% non-working deposit). Are PEO carve-outs allowed under this program?Yes. PEO carve-outs are accepted when accompanied by loss history, a signed PEO/client contract and amendment, and the required labor endorsement. Need help placing an account? Connect with a market specialist.

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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 a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry. Ideal Accounts and Appetite This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.) Craft breweries or distilleries (subject to eligibility) Private label beverage production Specialty or organic beverage processing We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets. Coverage Highlights and Advantages Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto Liability Liquor Liability (for applicable beverage producers) $5,000 Medical Payments – included Vendors as Additional Insureds Limited Product Withdrawal Expense – $5,000 limit included Excess or Umbrella Limits up to $25,000,000 Crime Coverage Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Property Inside the Premises Outside the Premises Coverage Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment and Valuable Papers Accounts Receivable Equipment Breakdown Food Spoilage – $5,000 limit included (higher limits available) Replacement Cost or Actual Cash Value Outside Signs Basic, Broad, or Special Form options Underwriting Notes and Minimum Premiums Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts. Territories and Availability This Beverage Manufacturing Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions. Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries. Is Liquor Liability included in the coverage?Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages. Can I submit a monoline General Liability or Property policy?Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements available for vendors?Yes, vendors can be added as additional insureds under the General Liability coverage. Need help placing an account? Connect with a market specialist.

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Machinery & Equipment: Manufacturing, Sales, Repair — Commercial General Liability Donald Gaddis Company places machinery-related commercial general liability for agents who need reliable markets and responsive underwriting. We work with a fluid panel of quality carriers that write a wide range of machinery operations — from used equipment dealers to manufacturers and field service contractors. As a wholesale broker, we help match your client to the right carrier form and limits for the exposure. Target classes and ideal accounts Used machinery and machinery parts dealers Machinery parts manufacturers and component suppliers Machinery manufacturing facilities Machinery service, repair and maintenance contractors (including those who use contract/1099 technicians) Machinery importers and parts importers Machinery movers, installers and rigging contractors Coverage highlights and advantages Our carrier partners can offer flexible forms and extensions tailored to machinery exposures: Occurrence or claims-made policy forms Stand-alone Products/Completed Operations or integrated CGL options Primary limits available up to $5,000,000 for many classes Package policy options for select classes Premises/operations-only coverage available for some risks where desired Environmental (pollution) coverage available for many classes Numerous coverage extensions depending on carrier and class Underwriting notes and minimums Donald Gaddis Company offers access to carriers with strong financial ratings (A.M. Best "A" or better) and underwriters experienced with machinery exposures. Minimum premiums can be competitive — in many cases carriers will consider accounts with minimum premiums as low as $1,000. We use ACORD applications as a starting point and maintain additional supplements or carrier-specific applications for more complex risks. Appetite and common declinations Fits: Manufacturers of non-hazardous machinery and parts Established machinery dealers and importers with documented maintenance and inspection practices Repair shops and field service operations with formal safety programs Generally less likely to fit (may require referral): High-hazard manufacturing that includes chemical processing or inherently polluting operations without controls Unlicensed rigging or installation contractors with limited experience Accounts with recent, significant product-liability loss histories without corrective risk management Territories and availability This program is available in most of the United States. States we currently serve include: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, WI. Admitted availability varies by carrier; we place both admitted and non-admitted business depending on the carrier and state. Why place machinery business with Donald Gaddis Company Access to multiple experienced carriers focused on machinery and equipment risks Underwriters who understand the differences between manufacturing, repair, installation and dealer operations Flexible forms and higher limits for qualifying accounts Responsive quoting and placement — we can help navigate carrier supplements and specific applications Example account scenarios Example 1: You have a regional machinery service and repair firm that performs onsite repair and scheduled maintenance for industrial presses. They have a defined safety program and use subcontractor technicians. This account may qualify for a CGL with Products/Completed Ops and environmental coverage. Example 2: You represent a used-machinery dealer that imports refurbished gear and sells parts to OEMs. The dealer needs primary liability with Product/Completed Ops limits and the option to add premises-only coverage for a satellite yard. Acord applications are a good start for submissions. We maintain carrier-specific supplements for certain classes and complex risks. Contact Eric Gaddis or Jay Dillon for quick estimates, carrier selection guidance, or next steps on submissions. Frequently Asked Questions What types of machinery accounts are a good fit for this program?Accounts that typically fit include machinery manufacturers (non-hazardous), parts manufacturers, used machinery dealers, importers, movers/installers, and service/repair contractors with documented safety and maintenance programs. What submission materials should I provide for a quick quote?Start with a completed ACORD General Liability application and current loss runs (last 3–5 years). For certain classes we will also request carrier-specific supplements detailing operations, subcontractor use, and risk management procedures. Are occurrence and claims-made forms both available?Yes. Our carrier panel offers both occurrence and claims-made forms. We will recommend the appropriate form based on the class, exposure and your client’s needs. What is the minimum premium and available limits?Minimum premiums vary by carrier and state; many carriers consider business with minimum premiums as low as $1,000. Primary limits are available up to $5,000,000 for many classes. Which states do you place this business in?We place this program in most states. See the program availability list above for specific states currently served; admitted availability depends on the chosen carrier. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Products Liability Insurance. Overview of the Program from PPIB Professional Program Insurance Brokerage (PPIB) provides access to specialized Products Liability Insurance for manufacturers, distributors, importers, and other businesses that deal with physical goods. As a program administrator with deep experience in niche markets, PPIB delivers flexible, responsive underwriting for hard-to-place product liability risks, including emerging and unconventional industries. Ideal Accounts and Appetite This program is tailored for insureds involved in the production, sale, or distribution of consumer and industrial products. Target classes include: Manufacturers Importers and exporters Distributors Private label and white label brands Tattoo equipment and supplies Medical devices Marijuana and cannabis-infused products Research & development firms Clinical trial vendors PPIB has also placed coverage for accounts in: Beauty products Electronic cigarettes (e-cigs) Skin care and cosmetics Makeup lines Vitamins and nutraceuticals Medical marijuana edibles Tattoo and body piercing supplies If you represent clients launching new or innovative products, or clients who have been declined by standard markets, this program can provide a viable placement option. Coverage Highlights and Advantages PPIB’s products liability program includes features designed for complex and higher-exposure risks: True worldwide coverage — Claims brought anywhere in the world are eligible for coverage, supporting global distribution models. Retroactive coverage — Available for risks transferring from other carriers to help preserve continuity of protection. Non-admitted capacity — Useful for accounts outside the appetite of admitted carriers due to product type, claims history, or other factors. Underwriting Notes Submissions are underwritten on a case-by-case basis. PPIB evaluates product type, distribution channels, sales volume, manufacturing controls, and quality/safety protocols. Provide complete applications and supporting documents — product descriptions, labels, safety data, manufacturing processes, and loss history — to expedite review. Minimum premiums vary by risk; PPIB focuses on placing niche and specialty risks that may not fit standard markets. Territories and Availability Coverage is available nationwide. PPIB can write business in all 50 states plus Washington, D.C., and routinely places business in states such as CA, NY, TX, FL, IL, and WA. Policies are offered on a non-admitted basis. Why Work With PPIB? PPIB brings decades of underwriting experience in specialty and emerging product classes. Their team understands the technical and regulatory complexities that come with novel or high-exposure products and offers tailored solutions when admitted markets are unavailable. You get underwriters who will consider unconventional risks, flexible placement options, and support for continuity of coverage. Examples agents might present: A small manufacturer of a new cosmetic line that needs worldwide product liability limits after being turned down by standard carriers. An importer of tattoo equipment seeking coverage with specific limits and retroactive protection after switching carriers. Contact Professional Program Insurance Brokerage (PPIB) today for your Products Liability Insurance placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, and private label businesses, especially those in niche industries like tattoo supplies, cannabis products, skin care, and medical devices. Can this program handle products sold internationally?Yes, PPIB offers true worldwide coverage, which means claims brought anywhere in the world can be covered, making it suitable for global distribution models. Is retroactive coverage available?Yes, retroactive coverage is available for risks renewing from another carrier, helping maintain continuity in coverage for your insureds. What documents are needed for submission?Complete applications along with product details, safety information, manufacturing processes, and loss history (if any) are typically required to begin the underwriting process. Is this program admitted in any states?No — this program is written on a non-admitted basis across all available states. Need help placing an account? Connect with a market specialist.

Sloan Mason Insurance Services, Inc. is pleased to offer access to a specialized insurance program backed by an 'A'-rated carrier, designed specifically for the unique risks of Bulk Liquid Storage Terminals – Operators, Suppliers, and Contractors. This program delivers a comprehensive, multi-line approach to risk management for businesses engaged in the storage, handling, manufacture, maintenance, and servicing of bulk liquid storage systems. Ideal Accounts and Appetite This program is built for companies across the bulk liquid storage supply chain, including: Terminal operators handling crude oil, refined products, and industrial chemicals Tank manufacturers (welded stainless and carbon steel tanks, bins, silos) Contractors performing tank lifting, foundations, relocation, and field erection Suppliers of tank-cleaning systems, industrial hose, gaskets, seals, and fire-safety products Firms providing pipeline inspection, pig tracking, degassing, and related services Manufacturers and installers of anti-corrosion coatings, cathodic protection, and geodisc domes Whether your client is an operator running a multi-tank terminal, a contractor relocating petroleum tanks, or a supplier of marine loading transfer systems, this program is structured to support the industry’s operational and environmental exposures. Coverage Highlights and Advantages Sloan Mason Insurance offers flexible, packageable solutions to address the core exposures for this sector, including: Workers' Compensation and Employers Liability Commercial Auto Liability and Physical Damage Commercial General Liability Pollution Liability — essential for environmental and third-party contamination risks Umbrella Liability to extend limits across primary lines This integrated, multi-line approach helps agents deliver a seamless solution for complex operational and environmental risks while centralizing placement and claims coordination. Underwriting Notes and Minimum Premiums To provide a timely and accurate quote, underwriters typically require: Five years of payroll history Five years of currently valued, carrier-issued loss runs (valued within 90 days of the requested effective date) Completed ACORD applications and the Pollution Supplemental form Minimum premium thresholds generally include: $15,000 for General Liability $10,000 for Commercial Auto $15,000 for Workers' Compensation $5,000 for Pollution Liability $10,000 for Umbrella Liability You can download the program application materials via our Bulk Liquid Storage Terminals - Operators, Suppliers and Contractors Data Sheet. Territories and Availability This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability will be quoted on an admitted or non-admitted basis depending on the state and the account’s risk profile. Why Work With Sloan Mason Insurance Services, Inc.? As a wholesale broker, Sloan Mason Insurance brings deep technical underwriting knowledge and direct access to specialized markets that understand the exposures unique to bulk liquid storage operations. We partner with agents to structure competitive, multi-line programs that align coverage, limits, and pricing with each client’s operational profile. Key strengths: Niche market relationships for pollution and commercial liability placements Experience packaging primary and excess lines for complex tank operations Dedicated underwriting intake that minimizes placement friction and speeds response time Example scenarios where this program is a strong fit: You have a regional terminal operator with multiple above-ground tanks and marine loading racks that needs combined GL, pollution, and umbrella limits. A tank manufacturer or erector performing field assembly and relocation work that requires on-site general liability, contractor exposures, and pollution coverage for residual product. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for terminal operators, tank manufacturers, contractors, and suppliers involved in bulk liquid storage, handling, and related services. What coverages are included in the program?Typical coverages include General Liability, Workers' Compensation, Commercial Auto, Pollution Liability, and Umbrella Liability. Additional specialty coverages may be available depending on the account. What documentation is required for underwriting review?Provide five years of payroll history, five years of currently valued loss runs, and completed ACORD and pollution supplemental applications to begin placement. Is this program available in my state?The program is available in most U.S. states. Availability and whether an admitted or non-admitted market is used will depend on the state and the risk. Contact Sloan Mason to confirm for a specific location. Are the carrier markets admitted or non-admitted?Sloan Mason places with a mix of admitted and non-admitted carriers depending on the state and account. We will identify the appropriate market when quoting. Need help placing an account? Connect with a market specialist.

Allstar Underwriters, a division of Allstar Financial Group, offers a comprehensive Product Liability Insurance program designed to help agents and brokers place complex and non-standard risks. Whether your client is a manufacturer, importer, distributor, or startup, we can tailor coverage to meet their unique liability exposures. Ideal Accounts and Appetite We provide flexible solutions for a wide range of businesses involved in the production, distribution, or sale of physical products. Accounts that are a strong fit for our product liability program include: Manufacturers Importers Repackagers Sellers Distributors We are also open to unique and challenging submissions, including: Start-up companies Businesses with prior claims activity Non-renewed or hard-to-place risks Coverage Highlights and Advantages Our program offers Primary and Excess coverage options, with both Claims-Made and Occurrence forms available. Coverage types include: Product Liability Insurance only Product Liability with General Liability Coverage with vendors and product recall expense Excess Product Liability Worldwide coverage options Target industries include Food, Nutraceuticals, Pharmaceuticals, Chemicals, Medical Devices, Automotive Parts, Toys, Sporting Goods, and Raw Materials. Underwriting Flexibility Allstar Underwriters has the ability to handle complex and non-standard risks. We work with multiple carriers across both admitted and non-admitted markets, allowing us to find creative solutions for unusual or distressed accounts. Our underwriting team is experienced in reviewing challenging submissions and can structure terms to meet your client's requirements. Territories and Availability This product liability program is currently available in the following states: Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. We offer access to both admitted and non-admitted markets, depending on the risk profile and carrier availability. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty and hard-to-place risks. Our Product Liability program is built to serve the needs of agents and brokers seeking flexible, responsive underwriting and access to top carriers. We offer fast turnaround and personalized service to help you win and retain business. Give one of our underwriters a call today for more information. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, repackagers, and sellers of consumer products—especially in industries like food, medical devices, automotive parts, toys, and chemicals. Can you consider start-ups or businesses with prior claims?Yes, Allstar Underwriters welcomes submissions for start-up businesses, as well as accounts with claims history or non-renewed coverage. What coverage options are available?We offer Primary and Excess Product Liability coverage, with options including standalone liability, general liability bundles, vendor coverage, recall expense, and worldwide protection. Is this program admitted or non-admitted?We work with both admitted and non-admitted markets to meet the specific needs of each account and state jurisdiction. Which states is this program available in?The program is currently offered in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. Need help placing an account? Connect with a market specialist.