StandardVerified Q1 2026
Source: Travelers Appetite Guide — Wholesalers & Distributors
Travelers: Wholesale Distribution Insurance Appetite
Travelers is a strong market for mid-size wholesale distributors, especially those with fleet and warehouse exposure. Their product liability form covers vendor liability well, which is critical for distributors. For specialized products like pharmaceuticals or chemicals, you will need an E&S market.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Umbrella/Excess |
| Product Liability |
Premium Range
$6,000-$40,000
Typical annual premium
Target States
All 50 states
Key Features
- Product liability coverage for distributors with vendor liability exposure
- Inland marine and stock throughput coverage for warehouse inventory
- Commercial auto program for distribution fleets of any size
- Property coverage with broad valuation options for warehouse stock
- Loss control resources for warehouse safety and OSHA compliance
Limitations
- Pharmaceutical and controlled substance distributors are excluded
- Cold chain and temperature-sensitive product distributors need specialty terms
- Companies importing products from high-risk countries face additional underwriting
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HiscoxLimited
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EMPLOYERS HoldingsStandard
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AcuityPreferred
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Erie InsurancePreferred
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biBERKStandard
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AmTrust Financial ServicesStandard
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BTISLimited
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Pie InsuranceStandard
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NationwideStandard
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ChubbStandard
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Hanover InsuranceStandard
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Auto-Owners InsuranceStandard
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Guard Insurance GroupStandard
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Markel CorporationStandard
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Coterie InsuranceLimited
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Selective Insurance GroupStandard
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