Ideal Accounts and Appetite
CoverX Specialty is a strong market for clients that manufacture, distribute, or import a wide range of products — particularly where exposures are moderate to high but claims frequency is low. Typical fits include industrial equipment, tools, machinery, automotive components, and many consumer products (see ineligible classes below). Examples you may place here: a metal components fabricator with controlled shop operations, or an importer of home improvement tools with established testing and quality controls.
Ineligible Products:
• Critical aircraft products
• Latex gloves
• Tobacco products
• Nuclear-related products
Coverage Highlights and Advantages
The Manufacturers Insurance program from CoverX Specialty delivers broad, flexible coverage tailored to manufacturing/distribution exposures:
- Primary general liability: $1,000,000 per occurrence / $2,000,000 aggregate
- Umbrella/excess liability available up to $10,000,000
- Policies available on a claims-made or occurrence basis
- Options for self-insured retentions and deductibles
- Discontinued products liability coverage
- ISO-based forms with manuscript endorsements for customized needs
Underwriting Notes and Minimum Premiums
CoverX Specialty focuses on well-managed risks. While minimum premiums vary by account size and exposure, the program’s flexible approach means small accounts are considered — there are no rigid minimum premium thresholds. Submissions with clear product descriptions, safety and quality control protocols, manufacturing processes, and loss history will get the most efficient review.
Territories and Availability
This program is offered on a non-admitted basis and is available in most states, including 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, and WY.
Why Work With CoverX Specialty?
CoverX Specialty combines focused underwriting expertise with access to a wide panel of carriers to deliver tailored solutions for manufacturers, distributors, and importers. Their flexibility on account size and endorsement options makes them a strong partner when you need to place complex or niche manufacturing risks. Whether you’re placing a startup with evolving product lines or an established manufacturer with significant product-liability exposure, CoverX Specialty can help find a competitive solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Manufacturers, distributors, and importers of moderate- to high-hazard products with low claims frequency. Examples include metal goods, machinery, tools, automotive components, and many consumer products (excluding the ineligible classes listed above).
Are smaller accounts eligible?
Yes. CoverX Specialty accepts small accounts and uses flexible underwriting rather than strict minimum premium thresholds, making it suitable for underserved risks.
What coverage limits are available?
Primary limits of $1,000,000/$2,000,000 are standard, with umbrella or excess liability available up to $10,000,000.
Is the program available in my state?
The program is available on a non-admitted basis in most U.S. states, including major markets such as CA, TX, NY, and FL. See the availability list above for specific states.
What are the ineligible product classes?
CoverX Specialty will not write coverage for critical aircraft parts, latex gloves, tobacco products, or nuclear-related products.
Need help placing an account? Connect with a market specialist.