https://completemarkets.com/company/commercialsector/products-liability-insurance/
Commercial Sector Insurance Brokers Specializes in Tailored Products Liability Insurance Solutions for Your Clients
Commercial Sector Insurance Brokers brings deep Excess & Surplus lines experience to help independent retail agents place both primary and excess Products Liability Insurance. Whether your insured is a manufacturer, importer, distributor, or wholesaler, we partner with you to custom-tailor competitive, responsive coverage that fits the client’s product, distribution model, and loss profile.
Overview of the Program
Products liability exposures stem from design defects, manufacturing errors, and failures to warn or instruct end users. Our program is structured to address those risks directly, offering flexible solutions through a broad panel of 15+ markets. Coverage can be placed on either a claims-made or occurrence basis, and we work with agents to design limits and attachments that align with the client’s exposures.
Ideal Accounts and Appetite
We write a wide range of product classes, including:
Consumer products manufacturers and distributors
Industrial equipment and machinery
Nutraceuticals, supplements, and specialty foods
Importers of foreign-manufactured goods
Private-label and start-up product lines
You might have a client importing consumer electronics from overseas or a startup launching a fitness supplement — both are examples of accounts we can evaluate and place with scalable coverage tied to their growth and risk controls.
Coverage Highlights and Advantages
Primary and excess liability limits available
Choice of claims-made or occurrence policy forms
Flexible deductible or self-insured retention options
Ability to access higher excess limits and build tower structures
Multiple carrier relationships to navigate challenging classes or loss histories
Our carrier panel and underwriting flexibility help you place accounts with complex supply chains, imported components, or evolving product lines.
Underwriting Notes and Minimum Premiums
Minimum premiums typically start at $5,000. For fastest turnaround, submit complete product descriptions, labeling and warning procedures, distribution channels, production volumes, and five years of loss history (when available). We will work with you to identify markets that match the account’s risk profile and tolerance for retentions and limits.
Territories and Availability
This program is available in most states, including AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, and WY. Some markets are available on an admitted basis while others are placed through non-admitted carriers depending on the class and jurisdiction.
Why Work With Commercial Sector Insurance Brokers?
As an experienced Excess & Surplus Lines broker, Commercial Sector Insurance Brokers pairs specialized underwriting access with pragmatic placement strategies. We focus on hard-to-place and evolving product risks, offering market leverage and placement flexibility to protect your clients and support their growth. Our team collaborates with agents throughout binding and policy issuance to simplify complex placements.
Please call today for more information.
Frequently Asked Questions
What types of accounts are a good fit for this products liability program?We place manufacturers, importers, distributors, and wholesalers of consumer goods, industrial equipment, supplements, and other product lines. Startups and private-label brands are also considered.
Is coverage available on both claims-made and occurrence forms?Yes. We offer both claims-made and occurrence options and will recommend the best form based on the product type, distribution model, and long-term exposure.
What is the minimum premium for this program?Minimum premiums typically start at $5,000, though actual pricing varies by class, limits, and coverage structure.
Do you offer excess liability limits beyond the primary layer?Yes. We can place excess limits and coordinate multi-carrier tower structures when higher limits are required.
In which states is this program available?This program is available in most states across the U.S., including CA, TX, NY, FL, and many others. Availability may depend on whether an admitted or non-admitted placement is appropriate for the risk.
Need help placing an account? Connect with a market specialist.
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