Wholesalers & Distributors Insurance Program

LOWER RATES, PREDICTABLE LOSS RESULTS, TOP RATED CARRIERS.

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

Casualty

• 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