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
$3,000-$15,000
$6,000-$40,000
$7,000-$45,000
$500-$3,000
$1,500-$8,000
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$4,000-$30,000
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$2,000-$12,000
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$5,000-$60,000
$3,000-$50,000
$800-$8,000
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