LimitedVerified Q1 2026
Source: Industry knowledge
Hiscox: Wholesale Distribution Insurance Appetite
Hiscox has conservative appetite for wholesale distribution. Their coverage is primarily useful for sales agents, manufacturer's reps, and brokers without physical inventory exposure. For actual warehouse-based wholesale operations, use Travelers or CNA for broader product liability, property, and fleet coverage.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability |
Premium Range
$500-$3,000
Typical annual premium
Target States
49 states (not available in Alaska)
Key Features
- GL available for small wholesale operations and sales agents
- Professional liability for manufacturer's reps and brokers without inventory
- Online quoting for qualifying wholesale class codes
Limitations
- No product liability, cargo, or warehouse-specific coverage available
- No commercial auto, workers' comp, or umbrella
- Operations with significant physical inventory need larger carriers
Compare Other Carriers for Wholesale Distribution
Progressive CommercialStandard
$3,000-$15,000
TravelersStandard
$6,000-$40,000
CNAPreferred
$7,000-$45,000
ERGO NEXT InsuranceStandard
$1,500-$8,000
The HartfordStandard
$5,000-$40,000
EMPLOYERS HoldingsStandard
$1,500-$10,000
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
NationwideStandard
$3,000-$16,000
Liberty MutualPreferred
$4,000-$20,000
ChubbStandard
$5,000-$25,000
Cincinnati FinancialPreferred
$3,000-$18,000
Hanover InsuranceStandard
$3,000-$16,000
Auto-Owners InsuranceStandard
$2,500-$15,000
Guard Insurance GroupStandard
$2,000-$12,000
Markel CorporationStandard
$3,000-$25,000
Coterie InsuranceLimited
$800-$3,000
Selective Insurance GroupStandard
$5,000-$60,000
Kinsale Capital GroupStandard
$3,000-$50,000
InsureonStandard
$800-$8,000