Ideal Accounts and Appetite
We place a broad range of machinery-related risks. Typical fits include:
- Used machinery and parts dealers
- Machinery parts manufacturers
- Machinery repair and service shops
- Machinery & equipment manufacturers
- Importers and distributors of machinery and parts
- Machinery movers, installers and rigging contractors
- Maintenance workers who operate as independent contractors
You might have a client who imports specialized equipment and handles domestic installation — our markets can address both product and onsite liabilities. Or you may be placing a parts manufacturer expanding into wider distribution; we can help scale limits and product coverage accordingly.
Coverage Highlights and Advantages
Key features available through our carriers include:
- Occurrence or claims-made forms
- Minimum premiums starting as low as $1,000
- Stand-alone Products/Completed Operations or full Commercial General Liability
- Primary limits commonly available up to $5,000,000 for many classes
- Package policies for select classes
- Premises/operations-only policies when appropriate
- Environmental coverage options for qualified accounts
- Coverage extensions tailored to class and operations
- Dedicated underwriting support and responsive service
Underwriting Notes and Minimum Premiums
Begin submissions with standard ACORD applications; we can add class-specific supplements or carrier forms as required. Underwriting considers product mix, installation exposure, service operations, and claims history. Minimum premiums typically start at $1,000, varying by class, limits, and coverage structure.
Territories and Availability
This program is available in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states; we also access non-admitted markets when the risk profile requires it.
Why Work With Donald Gaddis Company?
As a wholesale broker specializing in niche manufacturing and machinery risks, Donald Gaddis Company gives you broad market access and practical placement solutions. We prioritize matching your client to the right carrier, offering competitive terms, efficient service, and hands-on underwriting guidance. Contact Eric Gaddis or Jay Dillon for quick estimates, carrier selection support, or questions about fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for machinery manufacturers, used equipment dealers, parts makers, repair shops, and installers or movers. We also accommodate importers and independent contractors in related fields.
Is this coverage available on an admitted basis?
Yes — admitted markets are available in most states listed. We also place coverage with non-admitted carriers when needed based on class or the insured’s profile.
Can you write standalone Products/Completed Operations?
Yes. Depending on the client’s needs we can provide standalone Products/Completed Operations coverage or a full CGL program.
What is the minimum premium for this program?
Minimum premiums typically start at $1,000, though the final minimum will depend on class, limits, and coverage form.
What do I need to submit for a quote?
Start with ACORD applications. We may request supplements or carrier-specific forms for manufacturing, installation, import/export activity, or unique product exposures.
Need help placing an account? Connect with a market specialist.