Ideal Accounts and Appetite
This program targets distributors with up to $5,000,000 in annual sales across more than 30 distribution classes. Appetite includes, but is not limited to:
- Building material distributors
- Mercantile goods distributors
- Food and beverage wholesalers
The program is also suitable for risks that maintain a warehouse onsite or have an incidental retail operation in addition to their wholesale activities.
Example: You might have a client distributing kitchen equipment with a small showroom at their facility—this would be within appetite.
Coverage Highlights and Advantages
- Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate
- Excess liability coverage available up to $5,000,000
- Written on a Businessowners Form for broad protection
- Coverage for personal property off-premises and in transit: up to $300,000
- Electronic data and computer operation interruption: up to $300,000 combined
- No liability deductible
- Low premiums starting at $400
- Expanded bodily injury definition to include mental anguish and emotional distress
This package offers robust protection for common exposures faced by distributors, such as inventory loss in transit, onsite property risks, and technology-related disruptions.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business, risk characteristics, and coverage limits selected. The program is flexible and competitively priced, making it accessible for small to mid-sized distributors with standard to moderate exposures.
Territories and Availability
This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Coverage is offered on an admitted basis across all available states, providing compliance and peace of mind for your clients.
Why Work With Demetriou General Agency
As a Managing General Agency with deep market access and underwriting expertise, Demetriou General Agency offers responsive service and tailored solutions. Our Wholesale Distributors Insurance program is backed by strong carrier relationships and is structured to meet the evolving needs of modern distributors. Whether your client is a startup distributor or an established operation, we provide the tools and support you need to place this business with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts with up to $5 million in annual sales across building materials, food and beverage, and mercantile distribution are ideal. Risks with warehouses or small retail components are also acceptable.
Is this program available on an admitted basis?
Yes, the program is offered on an admitted basis in all available states.
Are incidental retail operations eligible?
Yes, the program accepts wholesale distributors that have incidental retail components as part of their operations.
What is the minimum premium for this program?
Minimum premiums vary based on risk characteristics, but low premiums start at $400 for qualifying accounts.
Which states is the program available in?
This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
Need help placing an account? Connect with a market specialist.