Description of Business Operations
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Independent distributor of bakery and snack food products from one manufacturer
(for example: Little Debbie, Pepperidge Farm, Thomas English Muffins, etc.)
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Distributors deliver bread and snack products to retail establishments
(grocery stores, convenience stores, restaurants, etc).
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Distributors own their vehicle(s) and their route(s). They travel the same
roads and deliver to the same stores on a regular basis.
Insurance Coverages Available
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Commercial Auto
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General Liability
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Inland Marine-Motor Truck Cargo* and Equipment**
* Owned cargo on owned vehicles
** Hand held or laptop computer
General Liability
Premium - $100 FOR $ 500,000 LIABILITY
Premium - $150 FOR $1,000,000 LIABILITY
Premium - $200 FOR $2,000,000 LIABILITY
An additiional charge of between $2 and $5 for terrorism applies depending on State and territory.
These premiums include $50 Shelf Stocker and $50 for one Additional Insured
(usually the food manufacturer). Aggregate limits are equal to the Occurrence
limits shown. Product Liability is not included as this is typically picked
up by the manufacturer. All premiums above are based on Gross Annual Sales of
$250,000 or less and no more than two owned routes. If: 1) More than two routes
are owned, 2) Product Liability is requested, or 3) Gross Annual Sales exceed
$250,000, then we would need to quote in-house and the above flat premium charges
would not be used. State surcharges, taxes and terrorism charges apply.
Inland Marine
$5,000 MOTOR TRUCK CARGO-OWNERS FORM
(bread and snack products)
$250 Deductible
(values over $5,000. - rate $1.00 per 100s of value)
$5,000 EQUIPMENT - HAND HELD/LAPTOP COMPUTER
$250 Deductible
(values over $5,000. - rate $2.00 per 100s of value)
TOTAL INLAND MARINE PREMIUM - $100 per route (vehicle)
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