Insurance for Wholesalers and Distributors

Acuity’s businessowners policy is designed with wholesalers like you in mind.

wholesalers and distributors trust us
We would be proud to insure your business so you can be free to focus on what matters most to you. We understand the unique challenges you face and provide you with peace of mind knowing that your policy will cover you when you need it. ******
positive claims experience
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

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.


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


Books, Periodicals, and Newspapers

Commercial Equipment

Plastics Materials

And more!

Aaron S. joined Acuity in 2017 as our Retail Specialist—bringing with him almost 30 years of experience in a broad range of retail.



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).


Get answers from our insurance experts.
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5 Tips to Help Improve Your Business’s Safety by Performing a Job Safety Analysis
A job safety analysis (JSA) is a systematic way to help improve safety at your facility or job site. You can find a JSA form on our website to help with this process.


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.