Program Overview — America's Internet Brokers, Inc.
America's Internet Brokers, Inc. offers a focused insurance program for wholesalers and distributors across a broad range of industries. Designed for retail agents and brokers, this program pairs flexible underwriting with market access to protect your clients’ property, liability, and transportation exposures.
This program accommodates both durable and non-durable goods distributors — from regional warehouses to specialty parts centers — and is structured so you can tailor limits and extensions based on a client’s operational profile.
Ideal Accounts and Target Classes
Target accounts include single-location and multi-location wholesalers and distributors with organized loss control and predictable operations. Typical classes we place include:
- Auto Parts & Supplies
- Furniture
- Electrical Equipment
- Household Appliances
- Janitorial Supplies
- Sporting Goods
Coverage Highlights and Advantages
The program offers broad property protection with options for Building, Contents, and Business Interruption. Available enhancements make it easier to match coverage to seasonal and operational needs:
- Accounts Receivable
- Dependent Property
- Seasonal Stock Increases
- Computers & Media
- Business Personal Property Off-Premises
General Liability is available for Premises/Operations and Completed Operations and can be extended to include Employment Practices Liability where appropriate. Business Auto coverage is offered with options for Hired & Non-Owned liability and cover for employee vehicle use. Inland & Ocean Marine, Umbrella Liability, and Workers' Compensation can be added to build a complete, integrated program.
Underwriting Notes
This is a non-admitted program placed through top-rated carriers, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. Our underwriters look for accounts with solid loss history, documented safety practices, and well-maintained facilities. We can tailor limits and endorsements to match specific supply-chain or inventory risks.
Accounts with frequent product modification exposures, high-value specialty goods requiring unique inland marine wording, or uncontrolled loss activity may be referred to other markets. For borderline submissions, include a concise loss run history, details on inventory controls, and descriptions of any third-party logistics arrangements to speed placement.
Territories and Availability
Coverage is available in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. If you’re placing business in these territories, our team is prepared to assist with quick quote responses and flexible terms where appropriate.
Why Work With America’s Internet Brokers, Inc.?
You’ll benefit from direct access to multiple A-rated carriers and an underwriting team experienced in distribution risks. We emphasize responsive service, practical endorsements for inventory and transit exposures, and collaborative placements with retail brokers to structure competitive packages.
Example placements you might consider submitting:
- A regional furniture distributor with seasonal inventory swings who needs scheduled increases to protect peak stock levels and business interruption coverage tied to supplier outages.
- An auto parts wholesaler that ships to repair shops nationwide and requires inland marine coverage for goods in transit plus hired/non-owned auto liability for drivers.
We can help place both single-location operations and multi-location accounts with consistent underwriting and coordinated coverage across property, liability, and marine needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for wholesalers and distributors of durable and non-durable goods — including auto parts, furniture, electrical equipment, household appliances, janitorial supplies, and similar classes with organized operations.
Is this program admitted or non-admitted?
This is a non-admitted program placed through top-rated carriers such as AIG, CNA, Travelers, The Hartford, The Seneca Companies, and Zurich.
What coverages can I place through this program?
Available coverages include Property (Building, Contents, Business Interruption), General Liability, Business Auto (including Hired & Non-Owned), Employment Practices Liability, Inland & Ocean Marine, Umbrella, and Workers' Compensation.
Which states is this program available in?
The program is available in over 30 states — including CA, TX, NY, FL, IL, and WA. Contact our team to confirm availability or for state-specific requirements.
Can the program handle seasonal inventory increases?
Yes. Seasonal stock increase options are available and can be tailored to reflect your client’s inventory cycles and peak exposures.
Need help placing an account? Connect with a market specialist.