Source: Cincinnati Financial – Distribution Insurance
Cincinnati Financial: Wholesale Distribution Insurance Appetite
Cincinnati Financial is a strong market for wholesale distribution in the Midwest and Southeast, where many distribution operations are concentrated. Their local underwriters understand warehouse and fleet operations and can price competitively. Especially good for building materials, industrial supplies, and food distribution. Geographic limitations are the main drawback.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Commercial Auto |
| Workers' Compensation |
| Inland Marine |
| Equipment Breakdown |
| Umbrella/Excess |
Premium Range
$3,000-$18,000
Typical annual premium
Target States
44 states (primarily Midwest, Southeast, Mid-Atlantic)
Key Features
- Strong warehouse and distribution program in Midwest industrial markets
- GL with product liability for distributed goods
- Commercial auto for distribution fleets with competitive rates
- Inland marine for goods in transit
- Equipment breakdown for forklifts, conveyors, and warehouse equipment
Limitations
- Hazardous materials distributors are excluded
- Not available in 6 states – geographic limitations apply
- Warehouses over 100,000 sq ft need home office referral
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