StandardVerified Q1 2026
Source: Employers — Industries We Insure
EMPLOYERS Holdings: Wholesale Distribution Insurance Appetite
Employers can write workers' comp for small wholesale distributors with standard warehouse operations. The premium will depend heavily on the mix of office versus warehouse employees. For the full distribution package including property, GL, product liability, and commercial auto, use CNA or Travelers as the primary carrier. Employers works best as a specialized workers' comp component.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
46 states + DC
Key Features
- Small wholesale and distribution operations with warehouse staff are eligible
- Class codes for inside sales, warehouse workers, and shipping/receiving personnel
- Competitive pricing for small distributors with 5-30 employees
Limitations
- Workers' compensation only — no product liability, property, or commercial auto
- Heavy warehouse operations with significant forklift exposure may need manual review
- Cold storage, chemical distribution, and hazardous materials are outside appetite
Compare Other Carriers for Wholesale Distribution
Progressive CommercialStandard
$3,000-$15,000
TravelersStandard
$6,000-$40,000
CNAPreferred
$7,000-$45,000
HiscoxLimited
$500-$3,000
ERGO NEXT InsuranceStandard
$1,500-$8,000
The HartfordStandard
$5,000-$40,000
AcuityPreferred
$4,000-$30,000
Erie InsurancePreferred
$4,000-$30,000
biBERKStandard
$2,000-$12,000
AmTrust Financial ServicesStandard
$2,000-$15,000
BTISLimited
$2,000-$10,000
Pie InsuranceStandard
$1,000-$8,000