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...limits up to $5 million Excess/umbrella options available above $5 million ...dous material haulers eligible?Only petroleum-based haulers are typically elig...

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.

Excess Cargo Insurance Program from J.M. Wilson When standard markets are unable or unwilling to offer higher cargo limits, J.M. Wilson provides a reliable solution with our Excess Cargo Insurance program. Designed for transportation risks requiring additional protection beyond what is offered in a standard cargo policy, this coverage helps agents meet the needs of clients with high-value cargo exposures. Ideal Accounts and Appetite This program is ideal for trucking operations and freight carriers who already have a primary cargo policy in place but need to increase their coverage limits to satisfy shipper contracts or internal risk management requirements. You might have a client hauling electronics, pharmaceuticals, or other high-value goods that exceed standard policy limits — that’s where our Excess Cargo Insurance can step in. Coverage Highlights and Advantages Provides higher cargo limits in excess of the insured’s primary policy Follows the form of the underlying cargo policy for seamless coverage alignment Backed by an 'A' rated carrier for financial strength and reliability Competitively priced to help your clients manage costs while increasing protection Underwriting Notes To be eligible for this Excess Cargo Insurance, insureds must already carry a primary cargo policy through a standard market. The excess coverage is designed to layer on top of that policy. J.M. Wilson works with a wide range of admitted and non-admitted carriers to help you find the right fit based on the specific risk profile of your client. Territories and Availability Our Excess Cargo Insurance program is available in the following states: GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. J.M. Wilson’s regional expertise allows us to respond quickly to market needs across the Midwest and Southeast. Why Work With J.M. Wilson? J.M. Wilson is a trusted Managing General Agency and Excess & Surplus Lines Broker with decades of experience helping independent agents access specialty markets. We represent a variety of carriers, both admitted and non-admitted, and our team is committed to responsive service and knowledgeable underwriting support. Whether your client is expanding operations or facing new contractual requirements, we can help you place the excess cargo coverage they need. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that already have a primary motor truck cargo policy but need higher cargo limits due to shipper requirements or high-value loads are ideal. Examples include electronics haulers, pharmaceutical transporters, and specialty freight carriers. Does the insured need to have a primary cargo policy in place?Yes, this is an excess policy that requires the insured to carry a primary cargo policy through a standard carrier. Is the coverage admitted or non-admitted?This program is written through non-admitted carriers. J.M. Wilson works with both admitted and non-admitted markets to find the best fit for each risk. What states is the program available in?The program is currently available in GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. What are the key advantages of this program?It offers higher cargo limits, follows the form of the underlying policy, is competitively priced, and is backed by an 'A' rated carrier for financial strength. Need help placing an account? Connect with a market specialist.

...rd-party contamination risks Umbrella Liability to extend limits across pr...cial Auto, Pollution Liability, and Umbrella Liability. Additional specialty c...

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...ccounts with active, high-volume petroleum refining, large-scale hazardous was...

...ore/Marine Related • Oil and Gas/Petroleum • Process Engineers • Roofing • Saf...

COMMERCIAL AUTOMOBILE Overview of the Program From CMS, LLC When your direct markets fall short, CMS, LLC helps you place hard-to-place or underserved commercial auto risks. Backed by an A XII Best’s rated carrier and broad access to multiple markets, our Commercial Automobile Product provides flexible solutions for a wide range of transportation-related businesses. Whether you’re placing established fleets or new ventures, CMS offers tailored options and underwriting support to get your accounts bound quickly. Target Classes and Ideal Accounts This program writes a broad array of commercial auto exposures, including but not limited to: Non-emergency ambulette and medical transport services Limousine and chauffeur operations Airport and hotel shuttle operators Dump trucks, flatbed haulers, and oversized-load carriers Refuse haulers and mix-in transit vehicles Moving & storage companies Sand & gravel haulers Dry van fleets and motor truck cargo operators Special riggers and oversized load carriers Stand-alone auto physical damage (non-admitted placement available) While the core program is tailored to fleets of 10 units or more, CMS maintains additional market relationships to consider smaller fleets, single-unit operations, or brand-new businesses when appropriate. Coverage Highlights and Advantages Primary liability limits up to $1,000,000 CSL (select accounts considered up to $2,000,000) Vehicle physical damage capacity up to $25,000,000 Motor truck cargo limits customized to cargo type and exposure No maximum fleet size restrictions through available carriers Competitive commission structures offered to agency partners All new business submissions are accepted on standard ACORD applications. We combine rapid underwriting response with multi-market placement capabilities to help close business efficiently. Underwriting Notes The program’s core appetite favors fleets of 10 or more units; however, CMS leverages additional markets for smaller operations and single-unit risks. Each submission is evaluated on its own merits—complete ACORD applications, current loss runs, drivers’ MVRs, and vehicle schedules will speed review and placement. Territories and Availability This program is available in the following jurisdictions: AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC. Why Work With CMS, LLC? CMS, LLC is a wholesale broker with deep commercial auto expertise and long-standing carrier relationships. Our strengths include multi-market access, flexible underwriting solutions for specialized exposures, and hands-on support to help agents place difficult accounts. We partner with agents to identify the best market for each risk rather than forcing one-size-fits-all placements. Example scenarios that fit the program: A regional sand-and-gravel hauler with a growing fleet that needs higher cargo limits and split liability/physical damage solutions. A newly launched non-emergency medical transport service seeking coverage for a small fleet while establishing safety and loss-control programs. Submission Contacts: Email: [email protected] or [email protected] Fax: (516) 799-8602 ACORD applications are acceptable. Let CMS put the pieces together for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for commercial auto accounts such as dump trucks, flatbed haulers, healthcare transport vehicles, limousines, cargo haulers, and other transportation-related businesses. We also review new ventures and smaller fleets through secondary markets. Is there a minimum fleet size requirement?The core program favors fleets of 10 units or more. That said, CMS has access to additional markets that can consider smaller operations and single-unit risks depending on the exposure and carrier appetite. Are ACORD applications accepted for submission?Yes. Please submit standard ACORD applications along with supporting documents (loss runs, driver MVRs, vehicle schedule) to expedite underwriting review. In which states is this program available?This program is available in AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC. What are the available coverage limits?We offer primary liability limits up to $1,000,000 CSL (with select accounts considered up to $2,000,000), vehicle physical damage capacity up to $25,000,000, and motor truck cargo limits tailored to the type of cargo. Need help placing an account? Connect with a market specialist.