Search CompleteMarkets

...es a garbage hauling business, a petroleum transportation fleet, a public live...dous material haulers eligible?Only petroleum-based haulers are typically elig...

...nd waste management operations Petroleum product manufacturers and distribut...ical facilities, recycling centers, petroleum distributors, and other business...

...s seeking a dedicated market for petroleum and fuel storage exposures. Overvi...ypical fits include fuel retailers, petroleum distributors, commercial facilit...

View our product liability insurance coverage details and program highlights Click Here to Start a Product Liability Quote Veracity Insurance Solutions specializes in Product Liability insurance for manufacturers, importers, distributors and retail resellers. Our focused underwriting and program structure make it easy for agents and brokers to place product liability accounts across a wide range of niche markets, including coverage for Discontinued Products and Product Recall. Overview of the Program from Veracity This Product Liability program is offered by Veracity Insurance Solutions, LLC as a managing general agency and excess & surplus lines broker with access to multiple carrier markets. The program is designed for businesses whose primary exposure stems from the manufacture, import, distribution or sale of physical products. Coverage is available on occurrence and claims-made forms, and can be combined with general liability where appropriate to provide broader protection for your clients. Ideal Accounts and Appetite Manufacturers, importers and distributors of consumer goods Specialty product lines and niche manufacturers (including beauty/cosmetics, vitamins & supplements, and sporting goods) Start-ups and new ventures with product exposures Retail resellers and vendors seeking a vendor endorsement Accounts outside appetite typically include mass-produced products with known systemic failures, accounts lacking basic quality controls, or high-hazard manufacturing operations better suited for monoline industrial casualty markets. Veracity underwriters will evaluate product testing, quality control, recall history and distribution channels when assessing risk. Coverage Highlights and Advantages Limits up to $100 million (subject to carrier availability) Occurrence and claims-made forms available Foreign liability available for products sold or shipped internationally Vendor endorsements to cover downstream resellers Programs tailored for beauty/cosmetics, vitamins & supplements, and sporting goods Options for discontinued products and product recall coverages Low minimum premiums to help place smaller or start-up accounts Underwriting Notes and Minimum Premiums Veracity looks for basic product controls: product testing, written product specifications, ingredient/vendor disclosure where applicable, and reasonable distribution practices. Claims/recall history, product labeling and client quality assurance procedures are important submission points. Minimum premium requirements vary by state, product class and carrier. Because Veracity works with multiple markets, submission requirements and minimums can be flexible — submit full applications and loss history to get the most competitive response. Territories and Availability This program is available in the following states: 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. Admitted vs. non-admitted (E&S) placement will depend on carrier appetite and state filing status. Why Work with Veracity on Product Liability? Specialized focus — underwriting team experienced in product risk and niche product lines. Multiple carrier access — ability to place across admitted and E&S markets where appropriate. Program flexibility — options for occurrence or claims-made, foreign liability, vendor endorsements and recall/discontinued product solutions. Support for smaller and startup operations through competitive minimums and tailored terms. Example account scenarios You might have a client who manufactures a line of natural cosmetics and needs product liability plus recall options — Veracity’s beauty/cosmetics program is designed for that class. Or you could place a mid-sized importer of sporting equipment that sells wholesale to retailers and needs foreign liability and vendor endorsement coverage. Veracity's Exclusive Product Liability Insurance Programs: Beauty Products Liability Cosmetic Insurance Program Vitamin & Supplement Liability Insurance Program Sport Goods Insurance Program Frequently Asked Questions What types of accounts are a good fit for Veracity’s Product Liability program?Manufacturers, importers, distributors and retail resellers of physical products—particularly niche or specialty product lines such as cosmetics, supplements and sporting goods—are a strong fit. Veracity also places start-up operations and smaller producers with documented quality controls. Are occurrence and claims-made forms available?Yes. The program offers both occurrence and claims-made coverage options depending on the carrier and the account’s needs. How should I submit a risk for consideration?Provide a completed application, detailed product description, distribution channels, sales volumes, any product testing or quality control documentation, and five years of loss history (if available). These items help underwriters evaluate exposure and give you the best placement options. Does Veracity offer product recall or discontinued product coverages?Yes. Veracity has options and separate programs that address product recall exposures and discontinued product liabilities; availability depends on the product class and carrier appetite. What states and market placements are available?The program is available in the states listed above. Placement can be admitted or non-admitted depending on the carrier and state filing—underwriters will advise on the appropriate placement for each account. Need help placing an account? Connect with a market specialist.

...usinesses that perform liquefied petroleum gas (LPG) equipment repairs and fac... excluded?Yes. Repairs to liquefied petroleum gas (LPG) equipment and work on ...

...ng transport units, hazardous or petroleum-based materials (except incidental)...ers, batteries) are acceptable, and petroleum risks may qualify for Cochrane’s petroleum marketer program. What states is...

...ng Plants Municipalities Petroleum & Motor Fuel Distribution S...

...operations that handle liquefied petroleum gas—LP gas exposure is a mandatory ...a mandatory exclusion for liquefied petroleum gas (LP gas) operations, so busi...

Commercial Umbrella Insurance Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. offers a flexible and competitive Commercial Umbrella insurance program designed to help agents and brokers secure excess liability coverage for a broad range of business clients. This exclusive program gives you access to top-rated carriers including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich, giving you the tools to build tailored solutions for your insureds with complex or growing liability needs. Ideal Accounts and Appetite This program is designed for small to mid-sized businesses with up to $25 million in annual revenue. It is a strong fit for clients seeking additional liability protection beyond their primary General Liability, Auto Liability, and Employers Liability policies. Eligible classes include: Retail and wholesale businesses Contractors and construction-related firms Light to medium manufacturing Distributors with domestic and limited foreign sales Service providers with fleet exposures Example: You might have a contractor client with a modest fleet of vehicles and growing contracts who needs an additional $5 million in coverage above their existing liability policies. This program can help you place that risk efficiently. Coverage Highlights and Advantages Umbrella limits available from $1,000,000 to $10,000,000 Fleets up to 499 vehicles, including up to 49 Heavy or Extra Heavy trucks, are eligible Accepts up to 49% of revenue from foreign sales (operations must be domestic) Accounts with stable revenues (growth or decline under 30% over three years) Eligible accounts must not have liability losses exceeding $100,000 in any of the past 5 years Accepts underlying carriers rated “A-VII” or better; New York State Fund and select other state funds are allowed Umbrella effective date can be up to 60 days in the future Underwriting Notes and Timing To qualify, the underlying General Liability policy must have an effective date within 60 days of the proposed Umbrella effective date. For Auto Liability and Employers Liability, the underlying policies must be effective within six months of the Umbrella policy. Agents should ensure the accounts are domiciled in states other than AK, HI, LA, VA, VT, or WV, which are excluded from this program. Territories and Availability This program is available in most states, including but not limited to AZ, CA, CO, CT, FL, GA, IL, MA, MI, NJ, NY, NC, OH, PA, TX, and WA. Please note that it is not available in AK, HI, LA, VA, VT, or WV. Why Work With America's Internet Brokers, Inc.? America's Internet Brokers, Inc. brings deep experience and access to top-tier markets for excess and surplus lines. Their streamlined submission process and strong carrier relationships allow you to move quickly and find coverage options that meet your clients' risk tolerance and liability needs. Whether you're working with a growing construction company or a multi-state distributor, their program offers the flexibility and underwriting insight to help you close the deal. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Accounts with up to $25 million in annual revenue, stable financials, and minimal liability losses are ideal. This includes contractors, manufacturers, fleet operators, and service businesses. Are there restrictions based on the insured’s location?Yes, the insured must be domiciled in a state other than AK, HI, LA, VA, VT, or WV. The program is available in most other states. What underlying coverage is required?Underlying General Liability coverage must be effective within 60 days of the Umbrella policy. Auto Liability and Employers Liability must be effective within six months. Carriers must be rated “A-VII” or better. Can this program accommodate foreign sales?Yes, up to 49% of the insured’s revenue can come from foreign sales, as long as all operations are based in the U.S. What vehicle exposures can be included?The program allows fleets with up to 499 vehicles, including up to 49 Heavy or Extra Heavy trucks. Need help placing an account? Connect with a market specialist.