Unique General Liability and Product Liability exposures require unique insurance solutions.  First Light Program Managers recognizes that a “one size fits all” mentality to the marketing of General and Product Liability exposures does a disservice to the independent agent.  If success is to be had by the retail insurance agent, you must work with an MGA and wholesaler who understand the importance of matching up the exposure with a carrier that is willing to write the class of business.  First Light’s approach is to first understand the risk submitted and then negotiate with a carrier who can deliver on the coverage requested…all at a competitive price. 

Our programs include manufacturers of tough products such as; medical, nutraceutical, cosmetics, automotive, aircraft, military weapon systems, armor (body and vehicle), wind turbine blades, seafood, and technology.  We can also provide solutions for the more traditional General Liability exposures, such as lessor’s risk, retail, low hazard manufacturing, general wholesalers and distributors, building material dealers and lumberyards.

Program Details 

·  Carrier:  Multiple “A” rated Admitted and Non-Admitted Carriers 

·  Classes of Business: General Liability and Product Liability for all types of businesses, including Manufacturers of tough products such as; Medical, Nutraceutical, Cosmetics, Automotive, Aircraft, Military Weapon Systems, Armor (Body and Vehicle), Wind Turbine Blades, Seafood, and Technology.  Standard General Liability exposures also acceptable. 

·  Unique Program Features: 

♦ Ability to Package the General Liability and Product Liability with other lines of insurance, such as Property, Auto and Umbrella.

♦ Access to multiple General Liability programs both admitted and non-admitted with one submission to us.

·  Territory:  All states except AK and HI

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

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