Client: An Orange County dry food products manufacturer with two locations · Coverage: Commercial Package — GL $1M/$2M + Building & BPP; Workers' Compensation · Status: Renewed
The problem
The renewal of a two-location package (more than $1.1M in building value plus business personal property) came due while the lender's loan insurance department was asking for updated property and liability certificates. The owner needed continuous coverage and paperwork the lender would accept.
How Pierce helped
- Had the wholesale broker market the renewal across carriers and review the market summary (Nautilus came in most competitive)
- Bound the renewal with the same limits and deductibles as the expiring program
- Kept the mortgagee/additional insured endorsement in place and issued a new COI and Evidence of Property Insurance with the loan number
- Also placed the client's workers' compensation with Pie Insurance
The result
The package renewed effective 09/22/2026, paid in full, with no lapse. The lender confirmed it received the updated certificates.
Why it worked
Marketing the account while keeping coverage identical let the client renew without re-underwriting surprises and kept the lender satisfied.
Related coverage
Food Manufacturer & Distributor Insurance · Manufacturers & Product Liability Insurance · Commercial Property Insurance · General Liability Insurance · Workers’ Compensation Insurance in California · Request a Certificate of Insurance
Facing something similar? Call 888-391-5981 or request a quote. A licensed agent will review your situation.
Client names and identifying details are withheld for privacy. This story is based on an actual account handled by our agency, as documented in our files. Coverage, pricing and results for your business depend on your own details.