Source: The Hartford — Wholesale & Distribution Insurance
The Hartford: Wholesale Distribution Insurance Appetite
The Hartford writes wholesale distribution through both small commercial (BOP via Spectrum for smaller distributors) and middle & large commercial (specialized property and liability forms for larger operations). Their ocean cargo and flood insurance capabilities are differentiators that many competitors lack. Small distributors under $5M revenue can get fast BOP quotes through Spectrum. Larger distributors benefit from dedicated underwriting with Property Choice forms, excess liability, and specialized inland marine coverages. Pair with their commercial auto program for distribution fleets.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Umbrella/Excess |
| Product Liability |
| Ocean Cargo |
| Cyber Liability |
Premium Range
$5,000-$40,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Ocean cargo insurance covers shipments of goods, freight, and merchandise within policy limits — important for importers
- The Hartford is the third-largest flood insurance provider in the country — critical for warehouse and distribution center locations
- Accounts records coverage helps pay costs to recover or reconstruct records lost or damaged by covered events
- Business income coverage includes off-premises utility service interruption for warehouse and distribution operations
- Risk engineering team provides warehouse safety assessments, loss control services, and OSHA compliance recommendations
Limitations
- Pharmaceutical and controlled substance distributors are excluded from the standard program
- Cold chain and temperature-sensitive product distributors may need specialty terms and additional underwriting
- Companies importing products from high-risk countries face additional underwriting scrutiny and may need product recall coverage
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