Wholesalers Insurance

Ideal Accounts and Appetite

This program is best suited for small- to mid-sized wholesalers and distributors operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Preferred accounts have a clean loss history, limited retail sales, and no manufacturing exposure. Typical class codes include food and beverage distributors, consumer electronics wholesalers, industrial and MRO supply distributors, and single-location regional distributors.

Examples you can place with this program:

• A regional distributor supplying restaurant equipment and disposables to multiple foodservice outlets, with sales primarily to businesses and only limited web-based retail.
• A wholesaler that distributes consumer electronics to retail stores and specialty resellers, with under 25% of revenue from direct-to-consumer online sales.

Coverage Highlights and Advantages

Commercial General Liability Coverage:

• Primary limits available up to $3,000,000 occurrence/aggregate
• $5,000 Medical Payments — included
• Additional interests (non-vendor) — included
• Excess/umbrella capacity available up to $25,000,000
• No deductible required on liability (varies by carrier and market)

Property Coverage Options:

• Basic, Broad, or Special form available
• Building, Business Personal Property, and Business Income/Extra Expense
• Computer and Contractor’s Equipment coverage options
• Equipment Breakdown and Food Spoilage coverage available where needed
• Outside signs, Valuable Papers, and Accounts Receivable options
• Replacement Cost or Actual Cash Value on contents — configurable per account

Crime Coverage:

• Inside the premises — theft of money and securities
• Inside the premises — robbery or safe burglary of other property
• Outside the premises coverage for funds in transit or off-premises losses

Underwriting Notes

Colonial General can write this program on either a mono-line (liability or property) basis or as a packaged policy, depending on the insured’s needs. Retail sales must not exceed 25% of total revenue, including online retail. The program is geared to risks without manufacturing operations and favors accounts with straightforward distribution processes, good inventory controls, and documented loss prevention practices.

Available through both admitted and non-admitted markets depending on the state and specific risk characteristics; carrier selection and terms will reflect the account’s exposures and loss history.

Territories and Availability

This Wholesalers Insurance program is currently offered in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Submission acceptance and available terms vary by state and by carrier appetite.

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. specializes in commercial lines placement across the western U.S. Their wholesalers program is supported by multiple carriers, giving agents access to admitted and surplus markets for accounts that may be hard to place in standard markets.

Strengths for agents:

• Responsive underwriting with practical, market-focused solutions
• Access to higher limits and flexible forms for complex distribution accounts
• Ability to place both admitted and E&S business to match account needs
• Experienced placement for niche classes and regional distribution centers

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.