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Policy Highlights for Wholesalers Insurance: Colonial General Insura... is this program available in?This Wholesalers Insurance program is available ...

M.J. Hall & Company now offers Retail or Wholesale Stores Insurance — a flexible and robust solution designed for the complex exposures faced by retail and wholesale operations. Comprehensive Coverage for Retail and Wholesale Businesses Retail and wholesale businesses have unique risks due to customer foot traffic, employee exposure, physical goods, and high-value inventory. M.J. Hall & Company, Inc. understands these challenges and has built an insurance solution to address the needs of Retail Stores, Wholesale Stores, Distributors, and Importers. This includes a wide array of industries such as auto parts, clothing, groceries, furniture, hardware, household goods, industrial and manufacturing equipment, medical supplies, and pharmaceuticals. Target Classes and Ideal Accounts We offer coverage for a broad selection of businesses, including but not limited to: Independent retail stores and chains Wholesale distributors and importers Specialty equipment dealers Pharmaceutical and medical supply vendors Furniture and hardware outlets This program is a good fit for both Main Street operations and more complex risks with specialized inventory or high customer volume. Liquor liability is available for eligible accounts. Coverage Highlights Our Retail or Wholesale Stores Insurance includes a range of essential protections: General Liability Primary limits up to $3,000,000 Liquor liability available Medical payments coverage – $5,000 limit Additional insureds as needed Property Coverage Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) Building and Contents Business Income Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage Inside the Premises – Theft of Money and Securities Outside the Premises Underwriting and Premium Details Minimum premiums typically start at $500 and vary based on risk characteristics and coverage selections. We work with various carriers to tailor options for your clients. Our underwriters are experienced in evaluating both standard and hard-to-place risks, offering competitive and flexible solutions through the Excess & Surplus marketplace. Program Availability This program is available in the following states: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV). Admitted and non-admitted options may be available depending on the state and risk. Why Work with M.J. Hall & Company As an established Excess & Surplus Lines Broker, M.J. Hall & Company provides agents and brokers with access to a wide network of carriers and deep underwriting knowledge. Our team understands the nuances of retail and wholesale risks and provides responsive service and customized solutions. Whether you are placing a new venture or a growing operation with complex needs, we are here to help you craft the right coverage. Our agents are ready to assist with your Retail or Wholesale Stores Insurance submissions. Contact us today to discuss your client’s unique needs. For appointment contact: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail stores, wholesale operations, distributors, and importers of goods such as auto parts, furniture, groceries, medical supplies, and more. Is liquor liability available?Yes, liquor liability can be included for eligible accounts depending on the risk profile and underwriting approval. What is the minimum premium for this program?Minimum premiums typically start at $500, but may vary based on the size, location, and type of business. In which states is the program available?This program is currently available in Alaska, Arizona, California, Hawaii, and Nevada. What types of property can be covered?The program can cover buildings, contents, business income, equipment breakdown, computer equipment, outside signs, and more. Need help placing an account? Connect with a market specialist.

...for contractors, manufacturers, wholesalers, property owners, and other mid- t...luding manufacturers, contractors, wholesalers, real estate owners, and vacant...

Overview — Normandy Harbor Insurance Company: Retail & Wholesale Stores Workers' Compensation Normandy Harbor Insurance Company, an admitted Florida carrier, offers a focused workers' compensation program designed for qualifying retail and wholesale stores. This program is intended for established, lower-risk brick-and-mortar accounts that need admitted coverage, flexible billing, and a carrier with underwriting depth and in-house service capabilities. Minimum premium is $1,000; underwriting emphasizes three or more years of industry experience and limited transportation or delivery exposure. Flexible Payment Options Normandy Harbor understands cash flow needs for small and mid-sized retailers. Available payment plans include: Pay-as-you-go (payroll-based, when eligible) 10% down with monthly payments 10% down with 9 installments 12 equal installments Ideal Accounts and Appetite This program is a fit for agents placing retail and wholesale store operations such as: Independent specialty retailers (apparel, sporting goods, home goods) Grocery and convenience stores with limited delivery activity Small wholesale distributors operating from a single warehouse location Franchise retail locations with consistent operations and experience Typically acceptable accounts have stable payroll patterns, at least three years in the same line of business, and minimal exposure from vehicle deliveries. Accounts with significant transportation fleets, high-volatility seasonal labor, or poor loss history are generally outside the appetite. Coverage Highlights and Advantages Admitted workers' compensation paper — simplifies compliance and certificates for Florida operations. Competitive underwriting supported by "A" rated reinsurance, stable financials, and experienced underwriters. In-house loss control team available to help reduce frequency and severity of workplace injuries. Responsive claims handling and a strong track record of dividend distributions to reward policyholder performance. Flexible billing plans to align with insured cash flow needs and payroll cycles. Underwriting Notes and Minimums Minimum premium: $1,000. Underwriters typically look for: Three or more years of verifiable industry experience. Limited transportation/delivery exposure — small in-store delivery functions may be acceptable; dedicated delivery fleets usually do not qualify. Standard underwriting documentation such as current payroll estimates, recent loss runs, and a clear description of business operations. Agents should submit loss runs and a concise operations description up front to expedite review. Territories and Availability This program is offered by Normandy Harbor for admitted placements in Florida. Availability in other jurisdictions is not represented by this storefront; please confirm territorial availability when submitting. Why Place This Business With Normandy Harbor Agents choosing Normandy Harbor gain an admitted carrier that combines program-level underwriting expertise with in-house loss control and aggressive claims service. The program is structured to reward good risk management (historical dividend distributions) and to offer practical billing options for smaller retail operators. For agents with stable retail or wholesale clients who meet the experience and exposure criteria, Normandy Harbor provides a practical admitted solution with solid service capabilities. Example Accounts That Fit A two-location specialty apparel retailer with three years of stable payroll, no delivery fleet, and clean loss history — meets the minimum premium and experience requirements. A single-location wholesale food distributor that operates only inside a warehouse and uses third-party carriers for deliveries — acceptable if the distributor’s own transportation exposure is limited. Frequently Asked Questions What types of retail or wholesale accounts are a good fit for this program?Accounts with at least three years of consistent industry experience, limited transportation or delivery exposure, stable payrolls, and a minimum premium of $1,000 are the best fit. Examples include specialty retailers, convenience stores with limited deliveries, and small wholesale operators without in-house fleets. What documentation does Normandy Harbor typically require at submission?Underwriters generally ask for recent loss runs, current payroll estimates, and a clear description of operations. Providing these items up front helps speed review and placement. Is this program admitted or non-admitted paper?This storefront represents Normandy Harbor as an admitted carrier for Florida placements. Confirm state availability and admitted status for other jurisdictions before submitting. What billing or payment plans are available for insureds?Normandy Harbor offers flexible options including pay-as-you-go (when eligible), 10% down with monthly payments, 10% down with nine installments, and 12 equal installments to accommodate client cash flow needs. How does Normandy Harbor support loss control and claims?The company provides a proactive in-house loss control team and responsive claims handling. These capabilities help reduce long-term costs and support dividend-eligible performance for qualified policyholders. Need help placing an account? Connect with a market specialist.

We are committed to providing the best service to our network of more than 26,000 professional select agencies and over 250 domestic and international insurance carriers. We use reliable market facilities, offer competitive pricing, and conduct business with the highest degree of honesty and integrity. Overview of the National Wholesale Broker Program Burns & Wilcox Ltd. offers a National Wholesale Broker program that provides independent agents and brokers with access to a broad suite of Excess & Surplus (E&S) and specialty property/casualty products. We focus on complex, hard-to-place accounts and leverage relationships with more than 250 domestic and international carriers to secure both admitted and non-admitted solutions where appropriate. Our underwriting and wholesale brokerage teams work directly with you to evaluate exposures and find the right market fit. Ideal Accounts and Appetite This program is tailored for producers seeking markets for non-standard or higher-risk accounts. Typical target classes include: Professional liability (including miscellaneous E&O) Environmental exposures and pollution liability Large commercial property and specialty real estate risks Small manufacturing and industrial risks with unique operations or equipment Nonprofit directors & officers (D&O) Vacant buildings and properties undergoing renovation Umbrella and excess liability placements Employment Practices Liability (EPLI) Childcare centers, restaurants, delis, and other packaged small-business risks On the personal lines side, we place high-value homeowners and personal umbrella policies for clients with unique property features, secondary homes, or other non-standard exposures. Coverage Highlights and Advantages We deliver tailored solutions for insureds with exposures that fall outside standard markets. Key advantages of working with Burns & Wilcox include: Access to a wide spectrum of E&S and specialty markets for complex risks Both admitted and non-admitted placement options, chosen to match the risk and regulatory environment Relationships with "A"-rated domestic carriers for underwriting stability Dedicated underwriters and wholesale brokers with deep product knowledge Ability to structure customized coverage and terms for unusual operations or niche industries Whether you need coverage for a vacant commercial building awaiting redevelopment or a small manufacturer with specialized equipment, our team can help structure a placement that aligns with the client's exposures. Underwriting Notes and Minimum Premiums Each submission is reviewed on its own merits. Appetite and minimum premium requirements vary by carrier and product line; our underwriters will assess exposures, loss history, and operations to determine marketability and pricing. If a submission requires specific terms or endorsements, we work with carriers to negotiate appropriate wording and limits. Territories and Availability The National Wholesale Broker program is available nationwide, including all 50 states and the District of Columbia. Burns & Wilcox supports placements in large states like California, Texas, and New York, as well as smaller markets across the country. Why Work With Burns & Wilcox? With decades of wholesale and E&S experience, Burns & Wilcox combines underwriting expertise and market access to help agents grow their books of business. Our strengths include: Responsive service and collaborative underwriting support Broad access to specialty and surplus lines markets Solutions for both straightforward and highly complex risks A partner-focused approach that helps you retain and expand client relationships Example scenarios you might place through this program: You have a client owning a vacant downtown commercial building that needs property and liability protection while it is being renovated—our markets can consider vacancy and redevelopment exposures. You represent a small manufacturer with specialized machinery and a history of limited claims; we can help identify carriers willing to write tailored property and GL coverage with appropriate limits and endorsements. Partner with Burns & Wilcox to secure specialty solutions for clients with non-standard exposures and to gain access to markets that help you win and retain business. Frequently Asked Questions What types of accounts are a good fit for the National Wholesale Broker program?This program is designed for complex or hard-to-place commercial and personal lines risks, including vacant buildings, environmental exposures, professional liability, and high-value homeowners. Can I access both admitted and non-admitted markets through Burns & Wilcox?Yes. We work with both admitted and non-admitted carriers and will select the best placement option based on the risk profile and regulatory considerations. Is the program available in all states?Yes. The National Wholesale Broker program is available nationwide, including all 50 states and the District of Columbia. Do I need to submit a minimum premium to get a quote?Minimum premiums vary by product and carrier. Submit the full risk details and our underwriters will advise on market options and any minimum premium thresholds. What support does Burns & Wilcox provide during the placement process?Our underwriters and wholesale brokers provide hands-on support from risk evaluation through placement, including help with endorsements, coverage negotiations, and market access. Need help placing an account? Connect with a market specialist.

... insurance program tailored for wholesalers and distributors across a wide ran... program?This program is ideal for wholesalers and distributors of durable and...

...nsurance solutions designed for wholesalers, distributors, and importers. Our ...rogram?Accounts that are primarily wholesalers, distributors, or importers of ...

Place earthquake and Difference in Conditions (DIC) coverage through Wholesale Connection Insurance Services (WCIS). As a dedicated wholesale broker, WCIS provides agents access to 15+ markets and tailored solutions for earthquake exposures throughout California and select other states. Use this program to secure competitive terms for both routine and hard-to-place property risks. Overview of the Program From WCIS WCIS specializes in placing Earthquake and DIC risks for agents who need market access and experienced underwriting. Our team evaluates each property’s exposure — from newer construction to older, retrofit-challenged buildings — and finds the best available carriers and structures. We combine admitted and non-admitted market options through our broker relationships to give you flexibility when standard markets are constrained. Ideal Accounts and Appetite This program is a fit for agents writing: Commercial property owners (office, retail, industrial) in seismically active areas Multi-unit residential landlords and apartment portfolios Real estate investors with multiple locations or schedules of properties High-value dwellings and large-schedule residential risks Properties with varied parking configurations (surface, garage, underground) Example scenarios: you might have a client with a multi-unit apartment building in Los Angeles needing DIC limits above a primary policy, or a shopping center in San Francisco requiring flood plus earthquake protection. WCIS helps structure options for both. Coverage Highlights and Advantages Admitted market placement available alongside surplus lines options Premiums can start around the program’s minimums, with flexibility by risk Deductible programs that can be as low as 5% in California and 2% in other states (location dependent) Capacity up to $50,000,000 and excess limit solutions over primary coverages Flood coverage options available as part of a broader DIC solution Loss-limit policy structures offered to help manage pricing and claims exposure Responsive underwriting and quick quote turnaround for most submissions Underwriting Notes and Minimum Premiums Each submission is reviewed by experienced underwriters who understand earthquake modeling, building vulnerability, and regional exposure differences. Pricing and appetite depend on location, construction type, occupancy, retrofitting, and aggregate schedules. While terms vary by carrier and risk profile, WCIS works with you to identify the most competitive markets for each account. Territories and Availability This program is primarily available in California, with select options in other states. Deductible offerings, admissibility, and coverage features vary by territory — WCIS tailors placements to local exposures and marketplace conditions. Why Work With WCIS on Earthquake Accounts WCIS combines deep earthquake placement experience with broad market access. Agents benefit from: Access to more than 15 markets and multiple placement strategies Underwriters who understand complex property schedules and retrofit issues Fast, practical guidance on structuring DIC and excess layers Dedicated support on submissions and timely quote turnarounds Contact Robin Kravitz at (818) 251-3511 or [email protected] to discuss a submission or get a quote. Frequently Asked Questions What types of accounts are a good fit for this DIC - Earthquake program?This program is designed for commercial and residential property owners, including multi-unit housing, shopping centers, office buildings, and high-value dwellings. Large schedules and portfolio placements are also considered. Is this program available outside of California?Yes. California is the primary territory, but WCIS can place earthquake and DIC coverage in select other states. Deductible options and terms vary by location. Are flood coverage and excess limits available?Yes. Flood coverage options and excess layers over primary policies are available through WCIS’ market relationships. What is the turnaround time for quotes?WCIS aims for quick quote turnaround by leveraging experienced underwriters and access to multiple markets. Actual timing depends on the complexity of the submission. Do you accept submissions for older buildings or properties with non-standard parking?Yes. WCIS reviews both newer and older structures and accepts properties with various parking configurations, including underground and enclosed garages. Underwriting will consider construction, retrofit status, and exposure details. Need help placing an account? Connect with a market specialist.

...sive Distributors Insurance for wholesalers and distributors! Overview of t...s program targets distributors and wholesalers of consumer goods, industrial s...