Apr 02 2026 17:00

Place the Risks Others Decline: High-Risk Property Solutions for Agents

More Capacity. More Flexibility. Better Solutions for Tough Manufacturing Property Risks

 

When your clients fall outside the appetite of standard carriers, you need a partner that can deliver capacity, flexibility, and expertise —without slowing you down.

 

At Souders Underwriting Group, we specialize in Manufacturers Property Insurance for high-risk and complex exposures, helping retail agents place the accounts others decline.

 

Why High-Risk Manufacturing Risks Are Hard to Place

 

From recyclers to chemical storage facilities, many manufacturing and industrial risks come with:

  • High fire loads
  • Combustible materials (wood, plastics, rubber)
  • Limited or no sprinkler systems
  • Complex valuations and large TIVs
  • Challenging loss histories

 

Standard markets often walk away—but that doesn’t mean you should.

That’s where we step in.

 

Flexible Property Insurance Solutions Built for Tough Risks

 

We offer specialized property insurance designed for complex and high-hazard occupancies, backed by exclusive Lloyd’s of London capacity.

 

Key Advantages for Agents:
  • Up to $50M primary capacity(100% deployed)
  • Participation on larger risks up to $500M TIV
  • Primary and excess options available
  • Flexible structuring for layered programs
  • Scalable solutions tailored to your client’s exposure

 

Whether you need a primary quote, excess layer, or participation, we can help structure the deal.

 

Coverage Highlights That Help You Win More Accounts

Our program is built to help you stay competitive—even on difficult placements:

  • Discounts available for first loss / primary placements
  • Higher deductible options to improve pricing flexibility
  • 100% full value coverage available
  • Ability to write primary or excess positions

 

We focus on getting deals done, not creating roadblocks.

 

Limits, Capacity & Premiums
  • Total Insured Values (TIV): Up to $500M
  • Primary Limits: Up to $50M (100% capacity)
  • Overall Program Limits:$50M+
  • Minimum Premium: Starting at $30,000

 

This makes us an ideal solution for mid-to-large commercial risks that need real capacity.

 

Target Classes We Write

 

We specialize in high-risk manufacturing and industrial properties

 

Including but not limited to:
  • Recycling operations (paper, metal, rubber, plastics)
  • Sawmills and wood processing
  • Paper, cardboard, and packaging risks
  • Plastic injection molding
  • Cold storage (including EPS risks, with or without cooking)
  • Chemical storage (non-hazardous and hazardous)
  • Oils, aerosols, and biofuels
  • Fireworks and explosive exposures
  • Vacant properties
  • Warehousing (sprinklered or non-sprinklered)
  • Medical, administrative, and commercial buildings

 

…and many more hard-to-place risks. If you’re unsure— send it. We’ll review it.

 

Why Agents Choose Us

 

Retail agents work with us because we:

 

  • Understand complex underwriting challenges
  • Provide fast, knowledgeable responses
  • Offer creative structuring for difficult risks
  • Deliver reliable Lloyd’s-backed capacity
  • Help you retain and grow your client relationships

 

We’re not just a market—we’re your placement partner. 

 

Let’s Get Your Next Deal Done

 

If you’ve got a challenging property risk, don’t waste time shopping it to markets that won’t quote. Bring it to a team that specializes in saying “yes” when others say no.

 

All we need to get started is an ACORD app, Loss Runs, and SOV

    ➥ Submit your risk today to submissions@soudersgroup.com
    ➥ Reach out anytime for guidance or indications

 

We’ve got you covered.