Source: BTIS — Industry Knowledge
BTIS: Wholesale Distribution Insurance Appetite
BTIS has minimal appetite for wholesale distribution risks. Their carrier partners can provide basic GL and workers' comp for small distribution operations, but the product liability, inland marine, and commercial auto coverage that most distributors need is not available through BTIS programs. Agents should place wholesale distribution accounts with CNA or Travelers, both of which have dedicated distribution programs with product liability and stock throughput coverage. Use BTIS for distribution only if you need a GL-only quote for a very small operation that direct carriers have declined.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
Premium Range
$2,000-$10,000
Typical annual premium
Target States
All 50 states
Key Features
- GL placement for small wholesale and distribution operations
- Workers' comp for warehouse and distribution employees through carrier partners
Limitations
- No product liability, inland marine, or stock throughput coverage through BTIS programs
- No commercial auto for distribution fleets
- Food, pharmaceutical, and chemical distributors are excluded from standard programs
- Mid-size and larger distributors need direct carrier placement for adequate coverage
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-$15,000
$1,000-$8,000