Wholesale & distributor insurance, placed across multiple carriers.
Property, general liability, products liability, and cargo for wholesalers, distributors, and B2B operators. Quote turnaround in 24 hours, lower broker commissions than the traditional firms.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Carriers compete on every quote — you see the best price, not whichever one called us first.
- 02
Products-liability and inventory-coverage limits sized to your real SKU mix, not a boilerplate $1M cap.
- 03
Cargo and inland-marine quoted alongside the BOP so loaded trucks and bonded warehouses are covered the same day.
Carriers we shop in Wholesale & Distribution
Coverage
What we quote in Wholesale & Distribution
General Liability
Standalone GL with limits up to $2M occurrence / $4M aggregate. Products-completed ops included.
Products Liability
Coverage for product defect claims sized to your distribution model — domestic vs imported, branded vs private-label.
Property + Inventory
Building, business personal property, and inventory replacement-cost on the warehouse floor.
Inland Marine / Cargo
Goods in transit, bailee, and motor truck cargo for owned and contracted fleets.
Commercial Auto
Hired/non-owned + scheduled fleets for delivery and rep operations.
Workers Compensation
Warehouse vs office class-code split reviewed before quote, ex-mod factor surfaced.
Frequently Asked
Wholesale & Distribution insurance questions, answered.
What does wholesale and distribution insurance typically cost?
Premium depends on annual sales, product category (food, electronics, industrial, chemical), warehouse value, fleet size, import vs. domestic supply, state, and prior loss history. A specialty-food distributor underwrites very differently than an industrial-parts wholesaler. Final cost is subject to underwriting and policy terms.
Why does products liability apply if I'm just distributing?
Products liability follows the chain of distribution — wholesalers and distributors can be named in defect or injury claims even though the product is manufactured upstream. Vendor endorsements from the manufacturer help, but only if the manufacturer carries adequate limits and the endorsement wording reaches you. For imported or private-label goods, your own products coverage carries the load.
What does motor truck cargo cover?
Motor truck cargo covers the freight you haul against loss or damage from named perils — collision, fire, theft, and other listed causes — while in transit on your owned or contracted trucks. Limits are typically per-vehicle and per-occurrence, sized to the highest-value load you regularly move. It is separate from auto physical damage (which covers the truck) and from cargo legal liability for bailees.
What policies does a wholesaler need?
A typical wholesale program includes General Liability with products-completed-operations, Products Liability sized to your distribution model, Property and Inventory at replacement cost, Inland Marine and Cargo, Commercial Auto, and Workers Compensation with proper warehouse-vs.-office class splits. Coverage is subject to underwriting.
How fast can I get a Certificate of Insurance for a customer or supplier?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Other industries we serve
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