Products and end uses
Describe what is made or sold, who uses it and where it is distributed.
Manufacturing & Distribution
From the production floor to the final delivery.
Manufacturers, distributors and wholesalers connect premises, machinery, people and products. Understanding that flow helps identify property, liability and transportation considerations across the operation.
Coverage considerations
See the operation from every angle.
Property & equipment
- Commercial Property
Buildings, business personal property and interruption exposures at insured locations.
- Inland Marine / Equipment
Movable equipment, materials and property away from a fixed business location.
Liability & products
- General Liability
Third-party bodily injury, property damage and liability arising from business operations.
- Product Liability
Liability associated with products manufactured, distributed or sold.
- Excess & Umbrella
Additional liability protection considered alongside the underlying insurance program.
People & mobility
- Workers’ Compensation
Workplace injuries, employee exposures and related statutory obligations.
- Commercial Auto
Vehicles used for business, driver exposures and liability on the road.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
What shapes the placement?
The details behind the business.
Production processes
Materials, machinery and process controls help explain operational exposures.
Property and supply chain
Inventory, dependencies and key equipment inform interruption considerations.
Quality controls
Testing, traceability and recall procedures provide context for product-related risk.
Workforce and losses
Employee duties, safety practices and claims history help complete the picture.
Preparing an account
A clearer submission starts here.
Complete information helps our underwriting team evaluate the opportunity efficiently. Useful information may include:
- Applicant and business details
- Requested coverage and effective date
- Current or prior insurance
- Available loss history
- Product descriptions and end uses
- Sales, payroll and distribution information
- Property, inventory and equipment values
- Quality-control and loss-prevention information
Industry insights
Put the business in context.
Outline the operation, explain what has changed and organize the supporting schedules. Use the checklist above to prepare a clear account narrative for review.
Review the preparation checklist ↑Broker product reference Approved brokers · Restricted access
Current appetite and underwriting reference.
Detailed reference access is being prepared for approved agencies and producers. Email verification alone does not grant access. For current placement guidance, submit the account for review.
- Eligible classes
- Approved access required
- Territory
- Approved access required
- Limits / capacity
- Approved access required
- Key underwriting considerations
- Approved access required
- Available programs
- Approved access required
- Required submission documents
- Approved access required
Your next opportunity
Not every risk fits neatly into a category.
Tell us about the account and we’ll help determine the appropriate next step.