For wholesale distributors in the $25M to $200M+ revenue band, cost of risk runs through five or six lines at once: property and inventory across distribution centers, auto liability and physical damage on the fleet, workers’ comp from the warehouse floor and over-the-road drivers, product liability tied to the lines you carry, and the risk transfer written into supplier and customer contracts. The Risk AFA puts them on one prioritized list with a named owner for every item, built on risk data we compile and maintain for distributors: loss history, what your peers carry in limits and retentions, and what the market is pricing by line. One item is chosen to finish before your next renewal submission; the rest run in sequence after it. We do the work with you and place coverage around the result.
ContactRead a sample Risk AFA for a distributor →The item finished first is usually the one an underwriter will ask about: the fleet, where telematics, hard-braking and aggressive-driving controls, driver qualification files, and route discipline move auto losses, or warehouse workers’ comp, where a carrier’s open loss-control recommendations, experience mod review, return-to-work, and supervisor training do. Each item on your plan shows the expected effect on your cost of risk, so you can see what it is worth before you approve it. We bring the resources and the people to carry it out. You see the progress in the six-month stewardship report.
As the owner or CEO of a distribution business, you should not have to run the risk program yourself. You should be able to approve a short plan, know who owns each item, and see it move. That is what the Risk AFA gives you. The work happens with your operations and warehouse leads, not on your calendar. At renewal, the underwriter sees what was done and prices accordingly. What comes off your cost of risk goes to margin, and margin is what the business is worth. And when a lender or an acquirer asks how risk is managed, the stewardship record already answers the question.
If this is one of several businesses in a portfolio, the same plan and cadence run at every platform.
See Private Equity →Thirty to sixty minutes about your distribution business and your current program. No cost, no pitch.
Contact