• Risk Management Strategies
  • Property & Liability Coverage
  • Claims Management Advocacy
  • Coordination of Coverages

Wholesalers & Distributors Insurance Program


Our Wholesalers and Distributors Insurance Program uses an unbundled approach to identify the best underwriters, claim managers, and loss control providers to create an effective and efficient risk management program.


A Change from the Traditional Insurance Program Design

  • Although the standard carriers view distributors as desirable risks, their plans don't include special rates or coverage
  • Careful underwriting review allows only qualified wholesale businesses to join the program resulting in lower rates for all
  • A group of similar businesses produces more predicable loss results leading to more stable year over year rates and pricing
  • Tailored loss control services
  • Top rated carriers

Additional Services

  • Workers compensation audits to uncover rating and experience modification calculation errors
  • Review of distribution agreements, bills of lading, sales representative and licensing agreements by experienced attorneys
  • Outsourced human resources services to manage compliance and employment practices loss control

Broad Coverage Across All Lines of Coverage ?Property

  • Single property coverage policy limit for buildings and contents for multiple locations
  • Possibility of co-insurance penalties for property losses is eliminated
  • Loss of income coverage for occupied locations and extended to supply chain operations


  • Contractual liability and vendors coverage included
  • Product recall available
  • Importers eligible
  • Reduced rates for drop shipped sales
  • Umbrella limits up to $50,000,000
  • Discounted and loss sensitive workers' compensation programs
  • Discounted and experience rating available for large auto fleets

Transit and Marine

  • Motor truck Cargo and Terminal liability coverage available

Management Liability

  • Directors & Officers Liability Coverage
  • Employment Practices Liability Coverage
  • Loss discovered coverage for employee dishonesty
  • Fiduciary Liability Coverage


SIC Codes
SIC Codes
SIC Codes
5013Motor Vehicle Supplies and New Parts5111Printing and Writing Paper
5014Tires and Tubes - New5112Stationery and Office Supplies
5021Furniture5113Industrial and Personal Service Paper
5023Home Furnishings5122Cosmetics / Perfumes (No Pharmaceuticals)
5033Roofing Siding and Insulation5131Textiles, Piece Goods, and Notions
5039Construction Materials5136Men's and Boys' Clothing
5043Photographic Equipment and Supplies5137Women's and Children's Clothing
5044Office Equipment5139Footwear
5045Computers, Peripherals, and Software5142Packaged Frozen Goods
5046Commercial Equipment5144Poultry and Poultry Products
5047Medical & Hospital Equipment5146Fish and Seafoods
5048Opthalmic Goods5147Meats and Meat Products
5049Professional Equipment5148Fresh Fruits and Vegetables
5051Metal Service Centers and Products5149Groceries and Related Products
5063Electrical Apparatus and Equipment5162Plastics Materials and Basic Shapes
5064Electrical Appliances, Television & Radio5172Petroleum Products and Equipment
5065Electronic Parts and Equipment5181Beer and Ale
5072Hardware5182Wine and Distilled Beverages
5074Plumbing and Hydronic Heating Supplies5192Books, Periodicals, and Newspapers
5075Warm Air Heating and Air Conditioning5198Paints, Varnishes, and Supplies
5078Refrigeration Equipment and Supplies5199Non-Durable Goods NEC
5082Construction Machinery
5083Farm Machinery
5084Industrial Machinery and Equipment
5085Industrial Supplies
5087Service Establishment Equipment
5088Transportation Equipment & Supplies
5091Sporting & Recreational Goods
5092Toys, Hobby Goods & Supplies
5099Durable Goods NEC

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