Insurance for wholesalers and distributors

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

Wholesaler & distributor insurance

Coverages built with your business in mind

Acuity’s Businessowners Policy – Bis-Pak®

Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.

Workers' Compensation

No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.

Commercial auto insurance

Does your business rely on vehicles to get work done? When an employee is involved in an auto accident our commercial auto insurance protects your business. Acuity would love to keep you working and on the road.

Property Coverage Details

From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.

Meet the guru

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

Do I need wholesaler & distributor insurance? 

Being properly insured can help ensure that your business is protected if things don’t go as planned. We insure all kinds of wholesalers & distributors, including everything from fresh fruits and vegetables to plastics materials.


Here are some business that can benefit from construction insurance: 

  • Fresh fruits & vegetables

  • Construction materials

  • Beer and ale

  • Nondurable goods

  • Lumber, plywood, millwork, and wood panels

  • Groceries & meat products

  • Tires & tubes

  • Industrial machinery and equipment

  • Plumbing & heating equipment

  • Motor vehicle supplies & new parts

  • Tobacco & tobacco products

  • Warn air hearing & air-conditioning

  • Hardware

  • Books, periodicals, & newspapers

  • Commercial equipment

  • Plastics materials

Specialized coverages

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 you 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 or your property, fraud, or theft of a client’s property.  


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.  

Looking to work with a local agent?

The Acuity difference

Why thousands of wholesale & distributors choose Acuity

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.

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.

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.


Get answers from our insurance experts.
Enhance road safety and protect your team with a comprehensive driver safety and vehicle program. Discover seven strategies to prevent accidents today.
Senior Client Manager Debbie Griffith works closely with Marsh McLennan Agency (MMA) commercial clients, addressing challenges and solving problems while maintaining strong relationships with customers, underwriters, and team members.
Educating small retail clients on the benefits of business income coverage is essential.


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.

Where to next?

More resources

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