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Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available in the following jurisdictions: 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. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

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Overview of the General Liability Program from Advanced E&S Group Advanced E&S Group - Southeast Region offers a flexible and competitive General Liability Insurance program designed to help agents place a wide range of hard-to-place or niche business classes. As a Managing General Agency (MGA) with access to various carriers, Advanced E&S specializes in crafting customized solutions for non-admitted risks across multiple industries. This program is available in most states nationwide and is ideal for agents looking to secure liability protection for clients in specialized or higher-risk operations. Target Classes This General Liability program is built to accommodate diverse business operations, including: Artisan Contractors Manufacturing Mercantile Businesses Sales, Service, or Consulting Operations Pawn Shops Valet Parking Services Consignment and Thrift Shops Farm and Agricultural Liability Special Event Liability Hotels and Motels Condominium and HOA Liability Grocery and Convenience Stores Warehouse Operations You might have a client who operates a small manufacturing facility or a contractor with a unique set of exposures—these types of accounts fit well within this program’s appetite. Coverage Highlights and Advantages Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate Various options to customize coverage to suit client-specific needs Primary and non-contributory wording available when required Automatic Additional Insured endorsement for eligible operations Hired and Non-Owned Auto Liability available Coverage for damage to premises rented to the insured $5,000 in Medical Payments coverage included Deductible options available per occurrence or per claim Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and risk characteristics. As a non-admitted program, flexibility in underwriting allows Advanced E&S Group to consider unique exposures and tailor solutions accordingly. Submissions should include complete details to expedite quoting and ensure the best possible terms. Territories and Availability This General Liability program is available in most U.S. states, including but not limited to AL, CA, FL, GA, NY, TX, and WA. Coverage is offered on a non-admitted basis through various carrier partners. Agents operating in diverse regions can rely on this program for consistent access to competitive general liability solutions. Why Work With Advanced E&S Group? As a trusted MGA, Advanced E&S Group brings deep market knowledge and carrier access to help agents place difficult or specialized risks. Their focus on service, underwriting flexibility, and broad appetite makes them a valuable partner for retail agents and brokers seeking responsive and reliable general liability markets. Whether placing a single location retail shop or a more complex service business, Advanced E&S delivers options that meet your clients’ unique needs. Frequently Asked Questions What types of accounts are a good fit for this General Liability program?This program is ideal for artisan contractors, small manufacturers, retail operations, farms, special events, and niche service providers like valet or pawn shops. Is this program admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization for unique or higher-risk operations. What states is this program available in?The program is available in most U.S. states, including CA, FL, GA, NY, TX, and others. Contact Advanced E&S Group for state-specific eligibility. Are coverage endorsements like Additional Insured included?Yes, automatic Additional Insured endorsements are available, along with options like primary and non-contributory wording and Hired/Non-Owned Auto coverage. What is the minimum premium for this program?Minimum premiums vary depending on risk class, location, and coverage needs. Contact Advanced E&S Group for a tailored quote. Need help placing an account? Connect with a market specialist.