This program is designed for Distributors and Wholesalers who have no more than 25 percent retail sales, including items for sale on their Web site. This program is not intended for manufacturers and/or importers of foreign products or assembling operations.

Property Underwriting

• Limits up to $2MM TIV (higher limits available)
• Building and Business Personal Property
• Optional Equipment Breakdown

Liability Underwriting and Rating

• Limits up to $1MM/$2MM (Umbrella/Excess available)
• Rated per $1,000 sales
• Submit if manufacturer representatives; installation, service or repair exposures; non-owned auto; sale of pre-used products

Exclude Theft coverage for the following target risks:

• Antiques
• Art
• Automobile, Truck, Motorcycle Parts and Supplies
• Bicycles
• Boats
• Cell Phones or Pagers
• Clothing
• Collectable/Memorabilia Sales
• Computer Equipment
• Electronic Equipment and Components
• Fur or Garments
• Jewelry or Gemstones
• Leather Goods
• Museum Artifacts
• Oriental Rugs
• Photography Equipment
• Recording Equipment
• Sporting Goods or Athletic Equipment
• Stereo Equipment
• Telecommunications Equipment
• Televisions
• Tools (Hand Type)
• Video Tapes and DVDs

Prohibited under the program: aircraft products, anhydrous ammonia, chemicals, contractors equipment, explosives or fireworks, feed and grain, fertilizer, firearms or ammunition, fuel, importers, industrial valves, medical equipment, petroleum, pharmaceutical, tires, tobacco, vitamins.