America's Internet Brokers, Inc. offers a robust insurance program tailored for wholesalers and distributors across a wide range of industries. With a deep understanding of the specific risks these businesses face, we provide customized and responsive solutions designed to protect your clients' assets and operations.
This program is designed for diverse classes of wholesalers and distributors of both durable and non-durable goods. Whether your client operates a regional warehouse or a specialty parts distribution center, we can help you place coverage that fits their needs.
Ideal Accounts and Target Classes:
- Auto Parts & Supplies
- Furniture
- Electrical Equipment
- Household Appliances
- Janitorial Supplies
- Sporting Goods
Coverage Highlights:
Our program includes broad property protection with options for Building, Contents, and Business Interruption. Additional coverage enhancements are available, including:
- Accounts Receivable
- Dependent Property
- Seasonal Stock Increases
- Computers & Media
- Business Personal Property Off-Premises
General Liability includes Premises/Operations and Completed Operations, and can be extended to include Employment Practices Liability. Business Auto Insurance is also available, with options for Hired & Non-Owned coverage and liability protection for employee vehicle use.
We also offer Inland & Ocean Marine, Umbrella Liability, and Workers Compensation to round out a complete risk management package.
Underwriting Guidelines:
This program is written on a non-admitted basis through top-rated carriers including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. Our underwriting team seeks accounts with solid loss history, sound operations, and a good safety culture. We work with brokers to find the right fit for each account and can tailor coverage based on specific exposures.
Territorial 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 any of these territories, we’re ready to assist.
Why Partner With America’s Internet Brokers, Inc.?
We combine industry expertise with strong market access to deliver effective solutions for wholesalers and distributors. Our responsive service, flexible underwriting, and access to A-rated carriers make us a valuable partner for retail agents and brokers. Whether you're working with a start-up distributor or a multi-location wholesaler, we can help you craft a comprehensive insurance package.
You might have a client who distributes janitorial supplies to commercial cleaning companies or a furniture distributor with seasonal inventory fluctuations—our program can accommodate these profiles and more.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for wholesalers and distributors of durable and non-durable goods, including auto parts, furniture, electrical equipment, and janitorial supplies.
Is this program admitted or non-admitted?
This is a non-admitted program written through top-rated carriers such as AIG, CNA, Travelers, and Zurich.
What coverages are available under this program?
Available coverages include Property, General Liability, Business Auto, Employment Practices Liability, Inland & Ocean Marine, Umbrella, and Workers Compensation.
Which states is this program available in?
This program is available in over 30 states, including CA, TX, NY, FL, IL, and WA. Contact us to confirm availability in your client’s state.
Can coverage be customized for seasonal inventory changes?
Yes, the program includes options for seasonal stock increases and can be tailored to match your client’s specific inventory cycles.
Need help placing an account? Connect with a market specialist.