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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.

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

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

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.

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...s, mines, pipelines, nuclear and petroleum facilities — where specialty carrie...

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

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

Sloan Mason Insurance Services, Inc. now offers access to a new facility with multiple "A"-rated carriers to place General Liability, Pollution, Professional, Auto and Umbrella programs for Refinery, Chemical Plant & Power Generation Facility Contractors Insurance. This program is designed for contractors who perform inspection, installation, repair and related specialty services at heavy industrial sites. Target classes and ideal accounts This program is aimed at specialty contractors and service firms working in refinery, chemical plant and power generation environments. Target classes include: Welding and process piping Boiler inspection, installation and repair Machinery inspection, installation and repair Millwright work Field machining Turbine inspection, installation and repair Compressor and pump inspection, installation and repair Coverage highlights and program advantages Multi-line solutions: placement options for GL, Pollution, Professional (E&O), Auto and Umbrella to provide coordinated coverage for complex industrial exposures. Access to several "A"-rated carriers through Sloan Mason’s wholesale broker facility, increasing chances of placement on difficult accounts. Underwriting tailored to specialty contractors working at operational heavy industrial sites—focus on controlled-site exposures, contractual liability, and pollution management. Underwriting notes and minimum premiums Underwriters will evaluate operational controls, loss history, project scope, contractual arrangements and pollution exposures. The facility has minimum premium thresholds as follows: $10,000 minimum premium for General Liability $5,000 minimum premium for Pollution and Professional coverages $10,000 minimum premium for Umbrella liability Typical submission requirements for a full underwriting review: Five years of payroll history Five years of currently valued carrier loss runs by line (valued within 120 days of requested effective date) ACORDs by line of coverage requested Completed supplemental application(s) Please view the Refinery, Chemical Plant and Power Generation Facility Contractors Data Sheet for the program supplemental application and data requirements. Appetite and common declinations Well suited: experienced specialty contractors and inspection/installation teams working under formal site safety and environmental controls, with documented safety programs and stable loss history. Typically not a fit: contractors with uncontrolled or unresolved pollution exposures, contractors primarily performing large turnkey construction where the insured assumes general contractor responsibilities without adequate controls, or accounts with recent frequent large losses—such business may be referred for alternative market placement. Territories and market positioning Sloan Mason offers this program broadly across the U.S. territory list below. The facility operates with most available markets (admitted and non-admitted placement options may be considered depending on state and risk): 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 Why work with Sloan Mason on this business Wholesale broker access to multiple "A"-rated markets increases placement options for challenging industrial contractor risks. Dedicated underwriting focus on refinery, chemical plant and power generation contractor exposures helps produce coordinated multi-line placements. Streamlined submission checklist and supplemental data sheet to speed review and improve quote accuracy. Example accounts that fit this program An industrial millwright firm that performs turbine alignments and on-site machining for a power plant, with documented safety programs and three years of clean loss history. A mechanical contractor that installs and repairs compressors and pumps at a chemical processing facility under written site access and pollution control procedures, seeking GL, pollution and excess limits. Frequently Asked Questions What types of contractor accounts are a good fit for this program?Specialty contractors who perform inspection, installation, repair and machining services at refineries, chemical plants and power generation facilities—examples include welding/process piping, turbine work, compressors/pumps, millwrights and boiler services with documented safety and pollution controls. What minimum documentation do I need to submit for a complete review?Provide five years of payroll history, five years of currently valued loss runs (valued within 120 days), ACORD applications by line, and completed supplemental application(s). Use the program data sheet linked above for the supplemental forms. What are the program minimum premiums?The facility’s stated minimums are $10,000 for General Liability, $5,000 for Pollution and Professional, and $10,000 for Umbrella. Final premium depends on class mix, limits and loss experience. Is this available nationwide and are admitted markets offered?The program is available across the listed U.S. states and operates with most available markets. Sloan Mason can consider admitted or non-admitted placement depending on state rules and the specific risk. Need help placing an account? Connect with a market specialist.