Overview of the Program From M.J. Hall & Company
The Distributors Insurance program from M.J. Hall & Company is built for wholesale and distribution businesses whose retail sales (including online) do not exceed 25% of total revenue. As an experienced Excess & Surplus Lines broker, M.J. Hall gives independent agents access to reliable markets and flexible terms tailored to a wide range of distribution classes.
Ideal Accounts and Appetite
This program targets distributors and wholesalers of consumer goods, industrial supplies, electronics, specialty foods, and similar product lines. It is a good fit when accounts:
- Are primarily wholesale operations (retail — including online — is no more than 25%)
- Have inventory and property exposures at warehouses and during transit
- Require strong general liability limits with no deductible
This program is not intended for manufacturers, assemblers, or importers of foreign goods.
Agent examples — you might have a client who stores and ships industrial fasteners from a single warehouse in California, or a regional distributor of packaged specialty foods operating multiple storage sites in Texas. Both are the types of accounts M.J. Hall is positioned to place.
Coverage Highlights and Advantages
M.J. Hall's Distributors Insurance program offers broad, customizable protection to address property, liability, and transit exposures common to distribution operations.
Property Coverage Includes:
- Basic, Broad, or Special form options
- Replacement Cost or Actual Cash Value valuation
- Building and Business Personal Property
- Business Income and Extra Expense
- Equipment Breakdown
- Food Spoilage (where applicable)
- Accounts Receivable, Computer and Contractor’s Equipment
- Outside Signs and Valuable Papers
General liability is available with primary limits up to $3,000,000 per occurrence and $5,000,000 aggregate, typically with no deductible. The program can also include protections for theft, robbery, and safe burglary where appropriate.
Underwriting Notes and Minimum Premiums
Underwriters evaluate each submission based on operations, property values, loss history, and transit exposures. Minimum premiums vary by state and risk; typical starting points are around $500 or higher. Provide complete risk details to help secure accurate terms and pricing.
Territories and Availability
This program is available in the following states: Alaska, Arizona, California, Hawaii, Nevada, and Texas. M.J. Hall primarily places business through E&S markets, but some admitted markets may be available depending on the state and the specific risk.
Why Work With M.J. Hall & Company on Distributors Insurance
With decades of E&S experience, M.J. Hall provides agents access to a broad network of carriers and competitive solutions for specialized distribution risks. Their underwriting focuses on flexible terms for accounts that need tailored protection — particularly where admitted markets are limited or unique exposures exist.
You can rely on M.J. Hall for responsive underwriting, market access, and expertise in placing warehouse, transit, and inventory risks for wholesale accounts across the program states.
Our agents would be happy to discuss our Distributors Insurance with you – contact M.J. Hall today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for wholesale distributors whose retail sales (including online) do not exceed 25% of total sales. It is not intended for manufacturers, assemblers, or importers of foreign goods.
What coverage limits are available?
General liability limits up to $3,000,000 per occurrence and $5,000,000 aggregate are available with no deductible in many cases. Property and business income coverages are customizable based on the risk.
Is this program available on an admitted basis?
M.J. Hall primarily places through Excess & Surplus Lines markets, but some admitted markets may be available depending on the state and the account profile.
What states is this program available in?
This program is available in AK, AZ, CA, HI, NV, and TX.
What is the minimum premium?
Minimum premiums vary by account and state; typical starting points are around $500 or higher, depending on exposures and underwriting considerations.
Need help placing an account? Connect with a market specialist.