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...he nutraceutical and supplement industries, Citadel Insurance Services brings ...

...ed to meet the needs of diverse industries and operations. We target a broad r...rogram?We target a wide variety of industries, including contractors, manufact...

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...ncluding hotels and resorts) Manufacturing Real Estate (commercial and res...nclude construction, hospitality, manufacturing, real estate, restaurants, retail, service industries, and wholesalers. Accounts with ...

...ialty carriers. Industrial / Manufacturing Manufacturers and roofers ...

...ating liability issues tied to manufacturing, importing, or distributing goods...secure reliable coverage for your manufacturing and distribution clients. Thei...

...e program includes most support industries and other tough product liability c...

Caitlin Morgan Insurance Services offers a focused Lumber Specialty Coverage Insurance program built for businesses across the wood-products supply chain. As a wholesale broker, Caitlin Morgan helps agents place tailored commercial packages for primary and secondary manufacturers, distributors, and dealers of lumber and building materials. Whether the account is a sawmill, cabinet manufacturer, or lumberyard, this program provides flexible coverage options to address property, liability, and equipment-related exposures. Targeted Classes Sawmills, planing and dimension mills Kitchen cabinet manufacturers Veneer and plywood manufacturers Pallet manufacturers Millwork manufacturers Truss and laminated beam manufacturers Wood preservers Building material dealers and distributors Lumberyards Coverage Highlights Property coverage for buildings, stock and contents Inland marine for goods-in-transit, stock and specialized equipment General liability including product/completed operations Commercial automobile for owned and hired autos Workers' compensation Crime and equipment breakdown Employment Practices Liability (EPLI) Ideal Account Characteristics Financially stable businesses with clear financials Operations consistent over the past three years Active, responsive on-site ownership or management Companies with more than three years in business This program is designed to give agents access to multiple carrier markets and underwriting solutions that match the operational risks common in wood-products businesses — from stock and fire exposures to transportation and product liability. Coverage is modular, so you can assemble property, inland marine, liability, and ancillary coverages in one package to simplify placement for your client. Underwriting Notes & Appetite Caitlin Morgan typically looks for accounts with stable loss histories, consistent operations, and engaged ownership. The program accommodates a wide range of occupancies listed above, and can be placed admitted or non-admitted depending on state rules and the risk profile. Accounts with recent major operational changes, unstable finances, or significant unresolved losses may require additional underwriting review or may not fit the appetite. Example fits you might submit: a family-owned lumberyard with large on-site inventory that needs inland marine and property coverage extensions, or a mid-sized cabinet manufacturer seeking combined property, GL with completed operations, and EPLI under one package. These are the types of accounts where Caitlin Morgan’s market access and underwriting focus deliver value. Program Availability This Lumber Specialty Coverage program is available in the following states: AL, AZ, AR, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MN, MS, MO, MT, NE, NV, NH, NC, ND, OH, OK, OR, PA, SC, TN, VT, WV, WI. Coverage can be placed on an admitted or non-admitted basis depending on the state and specific risk characteristics. Why Partner With Caitlin Morgan? As a wholesale broker with deep experience in niche commercial markets, Caitlin Morgan provides responsive underwriting guidance and access to multiple carrier markets for wood-products risks. Their team focuses on practical solutions for complex property and liability exposures and helps you structure packaged placements that save time and reduce coverage gaps. For more information about property, general liability, and automobile coverage levels and enhancements, contact: Linda Winzenread P: 800-723-7475, ext. 241 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include sawmills, cabinet and millwork manufacturers, lumberyards, and building material distributors with stable operations and active on-site ownership. What coverages are included in the Lumber Specialty program?The program can include property, general liability, inland marine, commercial auto, workers' compensation, crime, equipment breakdown, and EPLI, combined into a single package when appropriate. Is this program available on an admitted basis?Yes. Coverage is available on an admitted or non-admitted basis depending on the state and the specific risk profile of the account. Which states is this program available in?The program is available in over 30 states including IL, IN, GA, MO, NC, PA, and WI. Contact Caitlin Morgan for full state availability and placement options. How long does an account need to be in business to qualify?Accounts should generally have more than three years of continuous operation to be considered for this program. Need help placing an account? Connect with a market specialist.

...Liability (GL) with a focus on Manufacturing, Distribution, Sales & Servic...aptive?Middle-market companies in Manufacturing, Distribution, Sales & Ser...

...her you have a straightforward manufacturing account or a high-mod constructio...dustries, including construction, manufacturing, transportation, healthcare, a...