Retail & Distribution


To be competitive, companies in the retail and wholesale distribution industries need to be innovative, responsive to their customers and attentive to costs. To support their business and financial goals, retailers and distributors need an experienced insurance and risk management partner that understands the unique exposures and critical issues that confront these companies.

Industries Served: Retail & Distribution

At Wortham, our team of seasoned insurance professionals offers technical expertise and market knowledge to our clients. Wortham has created strategies and programs for companies across the retailer and wholesale distribution industries, including leading national and regional grocery chains, major wholesale distribution companies, and specialty retail.

Wortham's philosophy in marketing our clients' insurance coverages sets us apart from other insurance brokers. Our team takes a hand-on approach with an in-depth analysis of our clients' existing insurance policies. We conduct an extensive marketing of our clients' insurance programs and identify all possible coverage, limits and pricing options. By leveraging Wortham's working relationships with global carriers, our teams design and negotiate the best packages for our clients.

For clients with international operations, Wortham's position with the Assurex Global Partner network provides us with the capability and expertise to handle our clients' overseas insurance placements. Wortham's access to international markets enables us to offer a wider range of alternatives for our clients, giving them significant value and a competitive edge.


Wortham's teams manage strategies and programs that address all insurance and risk management aspects for companies in the retail and distribution industries, including:

  • Casualty
    • Workers compensation
    • Automobile
    • General liability
    • Excess liability/umbrella
  • Property
  • Confiscation, expropriation and nationalization
  • Business interruption
  • Product recall
  • Manufacturer's output and throughput
  • Surety bonds
  • Employee benefits
  • Construction projects
  • Professional indemnity
    • Directors & officers liability
    • Fiduciary liability
    • General partnership liability
    • Employment practices liability
    • Kidnap, ransom and extortion
  • Analytic services, including large casualty program loss forecasting, unpaid liability estimation and premium/retained loss allocation design and support
  • Cyber liability
  • Terrorism
  • Fire protection consultation services
  • Safety consultation services