Distributors Insurance Program from Colonial General Insurance Agency
Colonial General Insurance Agency, Inc. offers a specialized Distributors Insurance program designed for wholesale and distribution risks with up to 25% retail sales, including internet-based transactions. This tailored solution is ideal for agents and brokers seeking a reliable market for clients in the distribution industry who require solid property and liability protection.
Ideal Accounts and Target Risks
This program is best suited for small to mid-sized distributors and wholesalers operating in a wide range of industries. It accommodates businesses with minimal retail exposure (no more than 25% of total sales) and includes those making online retail sales. Common risks that fit well include:
- Food and beverage distributors
- Industrial equipment distributors
- Office supply wholesalers
- Non-perishable goods distributors
You might have a client who operates a regional food distribution company with a small e-commerce presence—this program is designed to fit their needs.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary Limits up to $3,000,000 per Occurrence/Aggregate
- $5,000 Medical Payments Coverage – Included
- Additional Interests (excluding Vendors) – Included
- Excess or Umbrella Limits available up to $25,000,000
- No deductible required
Property Coverage Options:
- Accounts Receivable
- Basic, Broad, or Special Form coverage
- Building and Contents
- Business Income & Extra Expense
- Computer Equipment
- Contractor’s Equipment
- Equipment Breakdown
- Food Spoilage
- Outside Signs
- Replacement Cost or Actual Cash Value
- Valuable Papers
Crime Coverage:
- Inside Premises – Theft of Money and Securities
- Inside Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes
Colonial General evaluates each account individually with flexibility and responsiveness. This program is available on a mono-line or package basis depending on client needs. The risk must not exceed 25% retail sales, including online transactions. Submissions should include complete application materials to ensure quick turnaround and underwriting consideration.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on the risk profile and state, and Colonial General also offers access to non-admitted solutions through a variety of carriers.
Why Work with Colonial General
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings extensive experience in placing specialty commercial risks. Their strong carrier relationships and underwriting expertise allow them to offer competitive and flexible solutions for distributors and wholesalers across the Western U.S. Agents and brokers benefit from working with a team that understands niche commercial classes and provides excellent service throughout the quote and binding process.
Frequently Asked Questions
What types of accounts are a good fit for this Distributors Insurance program?
This program is designed for wholesalers and distributors with no more than 25% retail sales, including e-commerce. Ideal classes include food and beverage distributors, office supply wholesalers, and equipment distributors.
Can the policy be written as mono-line or does it need to be a package?
The program offers flexibility and can be written on a mono-line or package basis depending on the insured’s needs.
Are retail operations or internet sales allowed?
Yes, but retail sales—including internet sales—must not exceed 25% of total gross sales in order to be eligible.
What limits are available for General Liability?
Primary limits are available up to $3,000,000 per occurrence/aggregate, with excess or umbrella limits up to $25,000,000.
Which states is this program available in?
This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Need help placing an account? Connect with a market specialist.