StandardVerified Q1 2026
Source: Guard Insurance Group – Business Insurance
Guard Insurance Group: Wholesale Distribution Insurance Appetite
Guard can accommodate small wholesale distributors with modest warehouse and fleet exposure. Their BOP handles the property and liability, and commercial auto covers delivery vehicles. For larger operations or those with significant product liability, Travelers or CNA will be more appropriate.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP for warehouse-based wholesale operations under $5M revenue
- Commercial auto for delivery fleets of 1-10 vehicles
- Commercial property including warehouse stock coverage
- Workers' comp for warehouse and delivery employees
- Flexible billing with pay-as-you-go options
Limitations
- Food and beverage distributors with cold chain requirements need separate review
- Hazardous materials distributors are excluded
- Warehouses over 25,000 sq ft may exceed BOP property limits
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