Industries · 03
Wholesale & Distribution Companies
Delivery vans, box trucks, refrigerated vehicles, and mixed commercial fleets.
Distributors deliver their own products on regular routes, typically with box and straight trucks, vans, and sometimes heavier units. Hauling your own goods is generally private carriage, which underwriters treat differently from hauling for others, but heavier vehicles can still bring registration and filing requirements.
Industries in this category
- Building Materials DistributorsFlatbeds, boom trucks, and box trucks delivering to job sites.
- Electrical Supply DistributorsBox trucks and vans on contractor delivery routes.
- Plumbing Supply DistributorsBox trucks and flatbeds delivering pipe and fixtures.
- HVAC & Refrigeration Equipment DistributorsBox and liftgate trucks delivering equipment.
- Foodservice & Restaurant Supply DistributorsRefrigerated and dry box trucks on daily routes.
- Beverage DistributorsRoute trucks and bay trucks with frequent stops.
- Automotive Parts DistributorsSmall delivery vehicles on high-frequency local routes.
- Industrial Supply DistributorsBox trucks and flatbeds serving plants and job sites.
- Medical Equipment & Supply DistributorsVans and box trucks delivering to facilities and homes.
- Agricultural Equipment & Supply DistributorsFlatbeds and equipment haulers serving rural routes.
Related: Distributors, suppliers & private delivery fleets
What underwriters focus on
- Vehicle weights, including units over 26,000 lbs
- Private carriage versus any for-hire hauling
- Route radius, delivery frequency, and states entered
- Driver qualification, including CDL drivers
- Refrigeration units and high-value cargo
Coverage worth reviewing
- Liability limits appropriate to vehicle weight and customer contracts
- Regulatory filings where your operation requires them
- Physical damage on high-value units and reefer equipment
- Hired and non-owned auto
- Umbrella or excess limits
Where we fit. We work best with established businesses running several vehicles, often 5 to 50, with current commercial auto coverage and a reason to review it. Eligibility depends on the operation and the insurance companies involved.
Questions fleet owners ask
We only haul our own products. Are we a trucking company?
Hauling your own goods in support of your business is generally private carriage. Vehicles over 26,000 lbs can still require TxDMV registration and filings. See Texas commercial vehicle requirements.
Can refrigerated units be covered?
Reefer units and spoilage are specific exposures. Some markets handle them well and others avoid them, so we look at the operation before approaching anyone.
Ready for a serious look at your fleet program?
Start with what you have. We’ll tell you what we need next.