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What's covered in a wholesale and distribution insurance policy?
Our Bis-Pak® wholesale insurance policy combines property and liability coverages into one convenient insurance form. Additional coverage options give you the flexibility and power to tailor the program to meet your needs and protect your business against loss.
Cyber liability and data breach coverages
You need cyber liability coverage if you could be responsible for or sustain a business loss due to, the unintended spreading of malware or a deliberate act that prevents others from gaining access to your computer system through the Internet. If you accidentally lose or release your customers’ personal information, we will pay for data breach response expenses.
Property
Our business property insurance provides the protection you need for your business's building and contents. Acuity also offers several optional coverages to fill common coverage gaps, such as business income and employee dishonesty.
Employment-related practices liability insurance (ERPL)
Our employment-related practices liability insurance protects you against claims made by employees alleging wrongful acts you commit as an employer, backed by the strength, stability, and expertise of Acuity.
Crime and fidelity
Our employment-related practices liability insurance protects you against claims made by employees alleging wrongful acts you commit as Acuity’s commercial crime coverage protects you against the dishonest acts of your employees and others, including theft of your property, fraud, or theft of a client’s property. Eleven types of coverage are available, including employee theft, forgery or alteration, computer and funds transfer fraud, theft of money and securities, robbery or safe burglary, and money orders and counterfeit money.
Equipment breakdown
Your business depends on air conditioning, hot water heaters, boilers, electrical systems, business machinery, and electrical equipment. Equipment breakdown insurance pays for physical damage to equipment, business income, spoilage, and extra expenses to limit equipment loss or speed repairs.
Commercial auto
Whether you call it commercial automobile, business automobile, truckers’ insurance, or motor carrier insurance, Acuity has all the coverages you need for your vehicles.
Types of Wholesalers We Insure
Fresh Fruits and Vegetables
Construction Materials, NEC
Beer and Ale
Nondurable Goods, NEC
Lumber, Plywood, Millwork, and Wood Panels
Groceries & Meat Products
Tires and Tubes
Industrial Machinery and Equipment
Plumbing and Heating Equipment and Supplies
Motor Vehicle Supplies and New Parts
Tobacco and Tobacco Products
Warm Air Heating and Air-Conditioning
Hardware
Books, Periodicals, and Newspapers
Commercial Equipment
Plastics Materials
And more!
Meet Aaron, our retail consultant
THE ACUITY DIFFERENCE
Associations
Acuity is active in several leading national and regional retail associations. We provide industry-specific training to all our underwriters, loss control representatives, and claims adjusters, so they can give you the support you need and deserve.
Loss control professionals
We care deeply about our insureds, their businesses, and their customers. We staff highly trained loss control professionals who work directly with you to help improve safety, prevent accidents, and protect your most valuable assets.
Acuity Nurse Helpline
The Acuity Nurse Helpline is a 24/7 service for workers with non-emergency injuries. It can reduce your workers’ compensation expenses and is free to everyone who has a workers’ compensation policy with Acuity.
Safety materials
Our online educational materials, including videos, loss prevention articles, toolbox talks, and much more, are available anytime, anywhere, and will help your business with sustainable growth.
Video resources
Our YouTube channel has up-to-date and interesting information to keep you informed. Get access to helpful videos regarding basic insurance knowledge, trends in the retail industry, and more.
JJ Keller resources
Acuity is committed to providing our customers with valuable safety resources in multiple ways. To broaden that commitment, we are pleased to partner with J. J. Keller & Associates, Inc. to offer streaming safety videos to our customers at no cost (limit three per month).
FAQs
Have questions? We have answers.
Both—and everything in between! We have the expertise and coverages to adequately insure large wholesalers and distributors, yet we understand the market demands of small operations.
Definitely! At Acuity, you are a name, not a number. We review wholesalers and distributors (and any other business we insure) on a case-by-case basis. This allows us to learn what makes your business unique and ultimately provide the best service.
Our experienced loss control representatives and industry specialists will walk through your business with you and share helpful information and tips. Safety and security are their job.
Acuity has an industry specialist with thirty years of experience who stays current on industry trends and challenges in order to share the information via our blog, social media, etc. as well as in-person with real customers who request this support.