Wholesale Distributors
We can provide a full range of coverages including property, general liability, product liability, commercial auto, workers' compensation and any other specialized insurance you may require.
Overview
Built around how your business actually operates.
Businesses are diverse, and almost every type of business has unique requirements — and risks. That's why it's so important to work with an insurance agency with experience in the specific risks that you face, and a relationship with carriers that understand those risks and write policies specifically tailored to your needs.
The following are some of the many areas where we have specialized expertise. Click through to learn how we structure coverage for each.
Areas of expertise
Industries and coverages we specialize in.
Manufacturing & Importing
We provide a full range of coverages for all types of manufacturers, ranging from apparel to high-technology manufacturers and everything in between.
Retailers
We currently work with a wide variety of retail businesses including apparel stores, variety stores, supermarkets, bakeries and more — with coverages tailored to each operation.
Restaurants
We offer a specialized program for restaurants, including both sit-down and fast-food establishments, providing the specific coverages appropriate to your business — from kitchen equipment and liquor liability to spoilage and employee practices.
Ocean Marine / Importers / Exporters
Tailor-made policies insuring goods from point of origin to final delivery. For importers, this may include coverage from the overseas factory to the vessel, on the vessel, from the vessel to the warehouse, and from the warehouse to the customer — all under one policy at very competitive rates.
Commercial Auto
We can insure anything from a single vehicle to a large fleet — private passenger cars, trucks, tractor trailers, standard buses and school buses. Available as part of a package policy or on a stand-alone basis.
Jewelers Block
In this highly specialized field, coverage could be denied based on a misrepresentation — even an inadvertent one. We have extensive experience here and can help ensure you don't have a problem when it matters most.
Hotels & Hospitality
Beyond typical property, liability and commercial vehicle policies, hospitality firms may require specialized coverages like Innkeeper's Legal and Hotel Services E&O. Our specialists can advise you on both the basics and the specialty coverages you should carry.
Employment Practices Liability
Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are increasing, and settlement sizes are growing rapidly. EPLI protects your business when these claims arise.
Professional Liability (E&O)
Coverage isn't just for physicians and attorneys anymore — any organization that provides a service may need it. That includes contractors, real estate professionals, advertising agencies, consultants, publishers, staffing firms and landscapers.
Workers' Compensation & Disability
We can provide workers' compensation coverage via a traditional policy, a self-insured plan or cost-effective safety groups — structured to fit your payroll, class codes and risk profile.
Employee Benefits
Selecting the right benefit package is critical to retaining productive employees. We provide both medical and dental coverage from all major carriers — including Oxford, Aetna, HealthNet, Blue Cross/Blue Shield, GHI and Atlantis — and help you select the plan best suited to your needs.
Why United Risk
We're independent, so we market your account to the carriers most likely to compete — instead of defaulting to the same one every year.