Our "A++" rated carrier has accommodated the coverage and pricing needs for a wide variety of distributor risks with up to $5,000,000 in annual sales, 100,000 square feet per location and up to 100 employees.

Ineligible Distributors
Please note we cannot offer coverage to the following:
  • Distribution of petroleum, gases, chemicals (other than common household goods), raw materials, mining or forestry products
  • Motor vehicle, boat or mobile equipment dealers
  • Freight forwarders
  • Merchandise liquidation warehouses
  • Sale of used, salvaged, antique or collectable merchandise
  • Has manufacturer representatives
  • Directly imports foreign goods or directly exports goods to foreign countries
  • Located in AK, HI, LA or WV
  • Property coverage in FL (unavailable with this product)

Available Coverage for Distributors
  • Businessowners form
  • Hired and non-owned auto liability
  • Crime
  • Inland marine
  • Personal property off premises and in transit
  • Electronic data and interruption of computer operations
  • No general liability deductible
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
  • Credits available for:
    • No stocking of shelves or set-ups at customer premises (delivery only)
    • No customers permitted in warehouse
    • Central station fire alarm
    • Private single interest warehouse

Coverage Limits Available for Distributors
  • General liability with limits up to $1,000,000 occurrence/$2,000,000 aggregate available
  • Commercial excess general liability or umbrella available up to $5,000,000
  • Monoline property up to $3,000,000 in values