E & S Insurance Services

Manufacturers & Distributors

Although our underwriting focus is on light to moderate hazard manufacturers and distributors of industrial and commercial products, we will entertain consumer targeted products not easily placed in the standard market due to their complexity or unusual nature.

Our experienced underwriters are empowered to make decisions, and we will work closely with you to provide competitive terms and innovative solutions to effectively manage your insured’s long-tail, product-related exposures.

Preferred risks include well-managed companies with quality control standards, strong contracts, sound financials and a low frequency claims history.

Coverage Highlights & Advantages

  • Commercial General Liability and Products/Completed Operations Liability
  • Discontinued Products Liability
  • ISO Occurrence and Claims-made coverage forms
  • Policy limits available: $2 million per occurence/ $2 million general aggregate/$2 million products aggregate
  • Flexibility to manuscript coverage to best support your insureds’ needs
  • Employee benefits liability/Stop gap liability/Hired & Non-Owned auto liability
  • Comprehensive Manufacturer’s Enhancement Endorsement
  • Primary & noncontributory wording
  • Vendors as additional insured
  • Waivers of subrogation

Appetite & Availability

Our appetite is broad and the following are just some of the classes of business written that reflect our appetite for business.

  • Bakery Equipment Coverage
  • Electrical/Electronic Equipment
  • Heavy Machinery for Agricultural, Industrial and Construction Industries
  • Material Handling including Conveyer Systems
  • Compressors & Valves
  • Pressure Vessels & Tanks
  • Analytical Instruments
  • Auto, Bus and Truck Components, Bodies and Retrofits
  • Cable, Rope & Wire
  • Instruments and Gauges
  • Marine Products
  • Medical, Dental and Surgical Products - Non-Invasive
  • Medical Devices & Equipment
  • Plastic, Rubber or Metal Supply Goods
  • Test & Control Equipment
  • Trailer Manufacturers
  • Clothing and Wearing Apparel
  • Furniture
  • Health & Fitness Products
  • Household Appliances
  • Leisure Products
  • Safety Equipment
  • Recreational & Sporting Goods
  • Textiles 

Premium Thresholds

  • Flexible minimum premiums by class of business, generally starting at  $15,000

Attachment Points

  • Deductibles on accounts will vary based on class and exposure from $2,500 to $25,000 per claim/occurrence
  • Self-Insured Retentions starting at $25,000

Submission Requirements

  • ACORD Commercial Insurance Application and General Liability Application including complete description of operations, coverage and program needs, classifications, and appropriate exposure estimates
  • Product brochures, annual report, website address, etc. to help us fully understand the products exposures
  • Minimum of five to seven years of hard copy loss experience
  • AmTrust E&S Products Liability Supplemental Application, or equivalent
  • Financial statements as appropriate