Program Administrators - Citadel Insurance Services

Citadel Insurance Services

Programs & Coverages: Self-Storage Insurance, Dietary Supplements, Life Science, Energy, Manufacturing and Importing, Healthcare, Environmental, Professional, Property, Umbrella, Specialty/Contingency, Program Development

M2600 W. Executive Parkway, Suite 500 | Lehi, UT 84043


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Company Description

Citadel Insurance Services is a specialty program manager delivering immediate access to cutting-edge products and exclusive programs both globally and domestically. Our independence, strength and forward-thinking approach allow both flexibility and agility, giving you and your clients superior results and service. We welcome you to discover how Citadel can deliver a superior risk placement experience through our programs, service, dedication and creativity.

Programs & Coverages

Self-Storage Insurance

StorInsure is an exclusive insurance program for self-storage owners and management companies. StorInsure is structured to meet the needs of single facility owner/operators as well as owners and management companies with multiple locations operating in multiple states.

Coverages Include:

Blanket Building Limits - Property Coverage

Commercial General Liability Coverage

  • Limit Options Include Up To: $2,000,000 Occurrence / $4,000,000 Aggregate

Sales and Disposal Liability

  • Limit Options Include: $10,000 - $1,000,000

Customers Goods Legal Liability

  • Limit Options Include: $25,000 - $1,000,000

Limited Pollutant Removal

  • Limit Options Up To: $200,000 Occurrence/$400,000 Aggregate

Hired and Non-Owned Auto

  • Limit Options Up To: $1,000,000

Employees Personal Liability Coverage

  • Limit Options Up To: $1,000,000

Employee Benefits Liability

  • Limit Options Up To: $300,000 - $2,000,000

Employment Practices Liability

• Employee’s Property: Limits Up to: $100,000

• Fine Arts Coverage: Limits Up to: $250,000

• Valuable Papers and Records: Limits Up to: $250,000

• Accounts Receivable: Limits Up to: $250,000

• Computer Coverage: Limits Up to: $250,000

• Pollutant Clean-Up and Removal: Limits up to: $100,000

• Systems Protection: Limits Up to: $20,000,000

• Identity Recovery Coverage

• Extended Business Income Coverage: – Policy will include (15) months of Business Income –

Actual Loss Sustained. Extended Business Income is available:

Length of Time Extension: 3 months (for total of 18 months), 9 months (for total of 24 months)

• Data Compromise Coverage

Benefits of StorInsure for Management Companies and Multi-location Owners

  • Each property-owning entity is named as Additional Named Insured
  • Allowing full rights to the policy benefits
  • All buildings covered under one limit
  • One deductible per location (not one per building)
  • Premium summary per location for insured’s accounting
  • Multiple payment options
  • Aggregate limits apply separately to each location
  • Premium Savings
  • Blanket Coverage per location
  • Excess Liability Umbrella limits up to $25 Million
  • Simplified renewal and billing process with only one renewal date

Scott Bartlett

Dietary Supplements

NutraPAC - Your competitive advantage for DIETARY SUPPLEMENT insurance products

The dietary supplement market is rapidly evolving – and is in need of a product that can respond accordingly. From our customizable forms to our global reach and first-class security, NutraPAC delivers unsurpassed value.

Target Classes:

  • Dietary supplements
  • Natural products
  • Herbal supplements
  • Vitamins and minerals
  • Botanicals
  • Sport/Energy drinks
  • Protein/Meal replacement products
  • Botanicals
  • Bedroom performance products
  • Health and Beauty products
  • Ingredient suppliers
  • Contract manufacturers

Program Highlights:

  • Exclusive product
  • Customizable forms
  • First – Class security
  • Exceptional quote turn-around time
  • Capacity: $5,000,000 Primary with additional excess available
  • Aggressive rates
  • Global reach

Available Coverage Enhancements

  • Claims made coverage (versus claims made and reported)
  • Defense outside the limits
  • Per occurrence deductible
  • Deductible aggregate
  • M&D relief
  • Blanket vendors
  • Voluntary product withdrawal
  • E&O
  • True worldwide territory
  • Blanket clinical trials
  • Pollution
  • Data breach
  • Dual deductibles
  • Vertically assigned limits

To learn more about our products or find out how to become a Producer, call us or visit our website.



Life Science

BioPAC - Your competitive advantage for LIFE SCIENCE insurance products

Whether your client is a Fortune 500 company or in the pre-clinical stage, BioPAC is a flexible, scalable product designed to address the specialized needs of life science companies.

Target Classes:

  • Medical device companies
  • Medical device software companies
  • Medical drug companies
  • Biologic companies
  • Medical food companies
  • Cosmetic drug companies
  • Life science product development services organizations
  • For-profit & non-profit research institutions & organizations
  • Life science product testing laboratories
  • Medical products distributors
  • Drug discovery technology

Program Highlights:

  • Scalable form
  • First – Class security
  • Exceptional quote turn-around time
  • Capacity: $15 Million Primary
  • Aggressive rates
  • Worldwide Coverage Territory
  • Step rating

Available Coverage Enhancements

  • Data breach expense
  • Data breach economic liability
  • Clinical trials coverage
  • Designated products
  • Abuse & molestation coverage
  • Biological agents liability
  • Clinical trials medical expense coverage
  • Flexible extended coverage options
  • Goods or products in your care, custody or control
  • Circumstance reporting
  • Punitive damages where allowable by law
  • Professional liability coverage
  • Voluntary products recall coverage

To learn more about our products or find out how to become a Producer, call us or visit our website.




EnergyPAC - Your competitive advantage for ENERGY insurance products

EnergyPAC is a comprehensive solution for the unique challenges present in both the traditional and alternative energy industries.

Target Classes:

  • Oil & Gas
  • Petrochemical
  • Wind
  • Solar
  • Bio Fuels
  • Ethanol
  • Alternative energy
  • Mining
  • Consultants

Operations within Target Classes:

  • Contracting
  • Consulting
  • Product Manufacturing
  • Distribution and Transportation of associated product
  • Most related operation can be considered as well

Available Coverages:

  • Workers Compensation (WC) - Minimum premium $25,000
  • General Liability
  • Commercial Auto
  • Product Pollution
  • Site and Transport Pollution
  • Contractors Pollution
  • Professional Liability
  • Follow Form Excess



Manufacturing and Importing

ManufacturingPAC - Your competitive advantage for MANUFACTURING, WHOLESALING, and IMPORTING insurance products

When it comes to manufacturing, wholesaling and importing, ManufacturingPAC has you covered. From start-ups to global enterprises and those in between, we can respond to your needs.

Target Industries:

  • Manufacturing
  • Wholesaling
  • Importing

Target Products – Including but not limited to:

  • Consumer products
  • Industrial products
  • Sporting goods
  • Outdoor recreation
  • Automobile performance parts
  • Aviation products
  • Marine products
  • Chemicals
  • Metal goods
  • Plastics
  • Toys
  • Juvenile products
  • Electrical products
  • Amusement devices
  • Fireworks
  • Lawn & Garden equipment
  • Cleaning products
  • Protective apparel

Program Highlights:

  • True World-Wide Coverage
  • ISO Based Forms
  • Aggressive Rates
  • Full CGL or Products Only
  • Start-Up Companies OK
  • Step Rating
  • Discontinued Products
  • Voluntary Products Recall
  • Deductible Aggregates
  • Convert Claims-Made to Occurrence




HealthPAC - Your competitive advantage for HEALTHCARE insurance products

HealthPAC offers a full range of healthcare insurance products. From home health providers to regional hospitals, our appetite for health care providers is extensive and our pricing and overall coverage features are as aggressive as you will find.

Target Accounts – Including but not limited to:

  • Long term care
  • Skilled nursing
  • Adult day care centers
  • Assisted living
  • Independent living
  • Hospices
  • Host homes
  • Hospitals
  • Physicians
  • Medi Spas
  • Imaging/Radiology centers
  • Substance abuse facilities

Policy features can include:

  • Professional liability
  • Medical practitioner liability
  • Sexual misconduct and physical abuse liability
  • Contractual liability
  • General liability
  • Employee benefits liability
  • Tenants’ liability
  • Non-owned and hired automobile liability
  • Commercial property & business interruption
  • Computer virus and hacking attack liability
  • Loss mitigation costs
  • Medical expenses cover
  • Court attendance costs
  • Brand protection cover
  • Indemnity to mortgagees, landlords or lessors of leased equipment

Limits, Deductibles, and Premiums

  • Limits of liability available from $1,000,000 to $5,000,000 each claim depending on class
  • Deductibles as low as $100 depending on class
  • Minimum Premiums starting from $1,500 depending on class




EnviroPAC – Your competitive advantage for ENVIRONMENTAL insurance products

From large utilities to remediation contractors and restoration companies, our capacity and appetite for environmental risk will help you grow and sustain a book of environmental risks.

General Highlights:

  • Up to $25,000,000 limits available
  • Coverage available for US companies with operations and facilities anywhere in the world
  • Project Policies available with policy term up to 5 years
  • Pollution legal liability policies available with terms up to 10 years

General Liability:

  • ISO based coverage forms
  • Offered on both Occurrence and Claims Made basis
  • Flexible coverage including extensions for Products Pollution, Hired & Non-Owned Auto, Employee Benefits, and many others

Contractor Pollution Liability:

  • Offered on both Occurrence and Claims Made basis
  • Coverage trigger: Pollution incident resulting from work performed by you or on your behalf
  • Covered loss: Cleanup Costs, Third-Party Bodily Injury and Third-Party Property Damage
  • Additional details provided in our Contractor Pollution Liability Highlights Sheet

Professional Liability:

  • Coverage offered on Claims Made basis
  • Coverage trigger: Alleged act, error, or omission resulting from your professional services
  • Covered loss: Damages to Third-parties
  • Additional details provided in our Professional Liability for Environmental Consultants Highlights Sheet

Site Pollution Liability:

  • Coverage offered on Claims Made basis
  • Coverage trigger: Pollution incident at, on, or emanating from your site
  • Covered Loss: On-Site Cleanup, Off-Site Cleanup, Third-Party Bodily Injury and Third-Party Property
  • Pre-Existing and New Conditions coverage available
  • Additional details provided in our Site Pollution Policy Highlights Sheet

Transportation Pollution Liability:

  • Coverage offered as an extension to either a Contractor Pollution Liability policy or Site Pollution
  • Covered loss includes Cleanup Costs, Third-Party Bodily Injury and Third-Party Property Damage resulting from a pollution incident

Follow Form Excess:

  • Coverage offered on a supported and unsupported basis
  • Coverage available excess of General Liability, Contractor Pollution Liability, Professional Liability, Site Pollution Liability, Auto Liability, Employers Liability, and Maritime Employers Liability




ProfessionalPAC - Your competitive advantage for PROFESSIONAL LIABILITY insurance products

ProfessionalPAC offers coverage for Accountants to Architects. Our appetite for professional based risks is extensive and our pricing and overall coverage features are as aggressive as you will find.

Target Markets:

Professional service companies

  • Bookkeepers
  • Business consultants
  • Data processors
  • Food consultants
  • Graphic designers
  • Health and safety consultants
  • HR consultants
  • Management consultants
  • Project managers
  • Public relation consultants
  • Quality assurance consultants
  • Recruitment consultants
  • Training companies
  • Other miscellaneous professional service firms…

Architects and engineers

  • Civil engineers
  • Mechanical engineers
  • HVAC engineers
  • Hydraulic / fire engineers
  • Town planning engineers
  • Non-structural architects
  • Land surveyors
  • Landscape architects
  • Expert witnesses
  • Quantity surveyors
  • Feasibility studies
  • Project managers
  • Interior designers
  • Electrical engineers

Recruitment, Employment and Staffing Agencies

Policy features can include:

  • Full GL
  • Property
  • Business interruption
  • Full pollution liability
  • Breach of intellectual property rights
  • Worldwide cover
  • Punitive damages cover
  • Virus and hacking liability cover

Limits, Deductibles, and Premiums

  • Limits of liability available from $1,000,000 to $10,000,000 depending on class
  • Deductibles as low as $100 depending on class
  • Minimum Premiums starting from $200 depending on class




PropertyPAC - Your competitive advantage for PROPERTY insurance products

PropertyPAC is tailored to address the specialized needs of property risks of all types. Whether your risk is a local apartment complex or international oil & gas concern, PropertyPAC can provide the product you need.


All Risk on Primary or Excess Basis

  • Full Value
  • Primary Loss Limits
  • Excess Of Loss
  • Large Layered Programmes
  • Single Peril Risks
  • Deductible Buy Backs
  • Terrorism
  • Quota Share

Builder Risk

  • Primary
  • Excess
  • Course of Construction

Real Estate

  • Commercial
  • Habitational
  • Vacant
  • Warehousing
  • Multi-Construction Type
  • Municipalities
  • Marinas
  • Industrial

Catastrophic Risks

  • Windstorm
  • Earthquake
  • Critical Flood (Zones A & V)
  • Ordinance and Law (Florida)
  • Rents Only




UmbrellaPAC - Your competitive advantage for UMBRELLA and EXCESS insurance products

UmbrellaPAC can provide an Umbrella/Excess solution for virtually any class of risk. Our experience in responding to high limit placements allows us to provide class leading, value driven coverage options.

Target Classes - including but not limited to:

  • Manufacturers
  • Natural Products
  • Global Risks
  • Professional Risks
  • Energy Risks
  • Aviation Risks
  • Petrochemical
  • Pharmaceutical
  • Hospitality
  • Transportation
  • Utilities
  • Mining
  • Retail/Service Industries
  • Food Processors
  • Motels & Hotels
  • Property Owners
  • Apartments
  • Commercial Buildings Lessor Risks
  • Financial Institutions
  • Wholesale & Distribution/ Manufacturing
  • Entertainment

Program Features:

  • Lead Capacity - $10,000,000
  • Multiple layers available
  • Minimum per layer $500 – Depending on class




ContingencyPAC - Your competitive advantage for SPECIALTY & CONTINGENCY insurance products

ContingencyPAC offers a full underwriting facility with a sole focus on contingency risks. With over 15 years’ experience, we can provide you and your clients’ access to some of the most broad, creative, and aggressively priced solutions in the industry. Our specialty products are available exclusively through a select group of retail and wholesale partners.

Target Classes:

  • Athletes
  • Entertainers
  • Sport Franchises
  • Promoters
  • Events & Venues
  • Concerts
  • Motor Sports
  • Prize – Games of Chance

Products Offered:

  • Event Cancellation
  • Non-Appearance
  • Weather
  • Contractual Bonus
  • Prize Indemnity



Program Development

Your competitive advantage for PROGRAM DEVELOPMENT and MANAGEMENT

With over 20 years of program development and management experience, Citadel Insurance is positioned to respond to your program development and management needs.

Our expertise allows us to respond to a wide range of programs - from start-up and conceptual programs to seasoned programs that need a fresh approach and innovative enhancement to sustain dynamic growth patterns. Citadel excels in the placement of unique programs requiring a creative approach.

Our Focus:

  • Associations
  • Affinity groups
  • Book Aggregation
  • Reinsurance
  • Process Automation
  • Risk Purchasing Groups

We have driven program success in the following areas:

  • Real Estate
  • Entertainment
  • Life Science
  • Manufacturing
  • Trucking
  • Contracting
  • Healthcare
  • Sport and Fitness
  • Motorsports
  • E&O


  • Regulatory compliance
  • Admitted and Non-admitted
  • Flexible premium requirements
  • Process automation