About This Coverage

The Wholesale Trade product safeguards the assets of wholesale small businesses, and expands as businesses grow.

State Eligibility


Eligible State

State Not Available

Industries Available


  • Wholesale Trade

  • Retail Trade

Coverage Limits


Up To

$4M

Minimums


Key Features


  • Business owners package coverage form that automatically includes over 15 unique coverage enhancements
  • Up to $5M in total property values
  • Business Income coverage offered on an Actual Loss Sustained basis
  • Up to $1M/$2M in General Liability limits
  • $500 premium for $1M umbrella available

Preferred Classes


  • Air Conditioning/Heating Equipment
  • Appliance - Household and Home Furnishing
  • Art Supplies
  • Auto Parts and Supplies
  • Bakeries
  • Barber or Beauty Shop Supplies
  • Beverages- Alcoholic and Non-Alcoholic
  • Bookbinding and Printers Supplies
  • Books
  • Building Materials
  • Cameras
  • Candy
  • CDs/Cassettes
  • Cell Phone
  • Clothing & Fabric
  • Coffee
  • Computers
  • Dairy Products
  • Electronics
  • Equipment, Fixtures or Supplies
  • Floor Covering
  • Florist
  • Frozen Food
  • Fruits & Vegetables
  • Furniture
  • Gardening & Light Farming Supplies
  • Gifts/Novelties
  • Groceries
  • Hardware and Tools
  • Hobby, Craft or Artistsí Supply
  • Housewares
  • Janitorial Supply
  • Jewelry - Costume & Precious
  • Kitchen Accessories
  • Lamps/Lighting Fixtures
  • Leather Goods
  • Luggage
  • Magazine
  • Meat/Fish/Poultry
  • Office and Store Equipment
  • Office Furniture, Machines & Appliances
  • Optical and Hearing Aids
  • Painting Supplies
  • Paper
  • Pet Supplies
  • Plumbing Supplies and Fixtures
  • Radios/Stereos
  • Refrigeration Systems or Equipment
  • Shoes
  • Software
  • Sporting Goods
  • Stationery or Paper Products
  • Telephones
  • Trophies
  • Wallpaper
  • Water Bottling
  • Wholesaler - no food or drink - not otherwise classified

Restricted Classes


Eligible Vehicle Types


Trucks

Trailers

Vans & PPVs

Liability Coverages


Underwriting Guidelines


  • Up to 35,000 square feet
  • Up to $6M in total revenue
  • No product specifically sold or rented to children

Additional Coverage Options


  • Foreign Liability Coverages
    • Accidental death & dismemberment ($50,000 limit)
    • Medical coverage ($10,000 limit)
    • Contingent auto liability ($1M limit)
    • Property ($25,000)
    • Premises liability ($1M occurrence/GL aggregate)
    • Products and completed operations Liability (GL aggregate)
  • Employment Practices Liability
    • Limits up to $100,000
  • Privacy Liability & Data Breach Insurance
    • Limits up to $100,000

Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com