StandardVerified Q1 2026
Source: Nationwide – Business Insurance
Nationwide: Wholesale Distribution Insurance Appetite
Nationwide handles wholesale distribution well for small to mid-size operations. Their BOP covers the warehouse and inventory exposure, while commercial auto handles the delivery fleet. For larger operations with complex supply chains or international exposure, Travelers or CNA will offer more comprehensive terms.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Auto |
| Commercial Property |
| Workers' Compensation |
| Inland Marine |
| Umbrella/Excess |
Premium Range
$3,000-$16,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- BOP for warehouse-based wholesale operations with inventory coverage
- Commercial auto for distribution fleets including box trucks and vans
- Inland marine for goods in transit between warehouse and customers
- Product liability within GL for distributed products
- Equipment breakdown for warehouse equipment and forklifts
Limitations
- Hazardous materials distributors are excluded from standard program
- Cold storage and temperature-controlled operations need special endorsement
- Warehouses over 75,000 sq ft need commercial package policy
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
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
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