Source: AmTrust — Small Business Insurance
AmTrust Financial Services: Wholesale Distribution Insurance Appetite
AmTrust writes workers' comp and GL for small wholesale distributors — typically operations with under 50 employees running a single warehouse location. Their WC rates are competitive for warehouse class codes, and the BOP can cover the property and GL in one package. However, AmTrust lacks the specialized distribution coverages (stock throughput, inland marine, product recall) that CNA and Travelers offer. For small distributors who need basic WC, GL, and property, AmTrust is a solid quote. For larger or more complex distribution accounts, CNA or Travelers will provide a more complete package.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Property |
| Commercial Auto |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states
Key Features
- Workers' comp for warehouse and distribution center employees
- GL with products-completed operations coverage for distributor liability
- Commercial property for warehouse facilities and stored inventory
- Commercial auto for local delivery fleets with light-to-medium vehicles
- BOP packaging available for small distribution operations
Limitations
- No product recall or contamination coverage — refer to specialty markets
- Pharmaceutical and chemical distributors are outside the program scope
- No stock throughput or specialized inland marine for goods in transit
- Large distribution operations above 75 employees need mid-market placement
Compare Other Carriers for Wholesale Distribution
$3,000-$15,000
$6,000-$40,000
$7,000-$45,000
$500-$3,000
$1,500-$8,000
$5,000-$40,000
$1,500-$10,000
$4,000-$30,000
$4,000-$30,000
$2,000-$12,000
$2,000-$10,000
$1,000-$8,000