Alishahi InsuranceIndependent Insurance Broker
Glass-walled house with a pool
Who insures it · 3 named markets · read 2026-10-28

Who insures Toy and children's product makers?

Toy and children's product makers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write Toy and children's product makers: Admiral Insurance Group, Kinsale Insurance, Burns & Wilcox. 2 E&S carriers, 1 wholesaler.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Admiral Insurance Group
E&S carrier		Products Liability sample classes include toys, consumer goods and electronics, amusement products and sporting goods (no implantables/products left in body).
“Toys, consumer goods and electronics”		not statednot statedadmiralins.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Products Liability for importers, distributors and manufacturers of consumer, commercial and industrial products; target classes include toys, games & clothing, consumer appliances & electronics and recreational & sporting goods.
“Toys, games, & clothing”		not statednot statedkinsaleins.com · read 2026-10-28
Burns & Wilcox
Wholesaler		Manufacturing & Distribution specialty lists Toys & Children’s Products under Consumer.
“Toys & Children’s Products”		not statednot statedburnsandwilcox.com · read 2026-10-28

James River manufacturers page lists only generic Consumer Products; PPIB product liability lists no toys or children's products; Toy Association homepage shows no insurance program; Prime, Markel, USLI, Western World, Nautilus, Great American, Lexington, Allied World, Beazley pages fetched do not name toys; Hiscox returned 403.

How Toy and children's product makers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Check who's likely to insure yours

Hard to place?

Send it once. It goes to the markets that write it.

A few minutes to request the quote; it reaches the markets that take Toy and children's product makers, and the answers come back by email.

Get a QuoteCall (877) 711-4545
Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.