NAW's Partner of Choice for Insurance, Benefits and Shipping
The National Association of Wholesaler-Distributors (NAW) selected Gallagher as its exclusive strategic partner for your insurance, employee benefits and HR solutions, and discounted shipping programs because we understand your industry like no one else. We understand your business — the thin margins, the supply chain complexity, the warehouse-to-delivery risk chain — and we build solutions around it.
Talk to a Wholesale Insurance Advisor
We work with thousands of wholesaler-distributor clients across the United States and place thousands of policies tailored specifically to the exposures your business faces every day — from your warehouse floor to the last mile of delivery.
Backed by the Nation's Leading Insurance Carriers
We don't work with just one carrier. We shop the market on your behalf through an extensive network of top-rated insurance carriers — so you get the right coverage at the right price.
We Know the Risks You Face — Because the Data Tells the Story
Wholesale distribution isn't a desk job. Your employees are lifting, loading, driving and moving product every day — and the claims trends reflect the physical demands of the industry.
What This Means for Your Coverage
These aren't abstract statistics — they're the reason your workers' compensation, commercial auto, general liability and umbrella limits matter. If your current coverage wasn't built with wholesale distribution risks in mind, you could be exposed.
Our advisors review your specific operation — your warehouse size, fleet, headcount, product type and delivery footprint — and build a program around it.
Top Causes of Wholesale Workplace Injuries (% of Claims)1
- 37% overexertion (lifting, twisting, pushing, pulling)
- 23% slips, trips and falls
- 12% struck by an object
- 8% caught-in/caught-between hazards
- 5% motor vehicle accidents
What Makes These Numbers Hit Harder
- 76 lost workdays per injury on average
- 37% of all injuries involve first-year employees
- Severe claims ($250,000+) are most commonly driven by overexertion, slips and falls, and motor vehicle accidents.
- $13.7 billion per year is spent nationally on overexertion injuries alone — the number one cause of serious workplace injuries across all industries for 25 consecutive years.2
Everything Your Wholesale Business Needs — One Partner
As NAW's exclusive partner, Gallagher brings your insurance, employee benefits and shipping solutions under one roof. Here's what we offer:
Business Insurance
- Business Owner's Policy (BOP): Core protection that bundles general liability, commercial property, business interruption into one cost-effective package.
- Commercial auto: Covers your fleet — accidents, theft and vandalism for owned or leased vehicles.
- Workers' compensation: One of the most common policies that's required in most states; covers employee injuries on the job — critical given that 37% of wholesale injuries hit first-year workers.
- General liability: Protects against third-party bodily injury and property damage claims — on your premises or during delivery.
- Umbrella/Excess liability: Extends your limits when a major claim exceeds your primary policy — pre-negotiated terms through Gallagher's preferred umbrella program.
- Ocean/Marine: Protects against lost or damaged goods in transit by sea, air or over land — essential for distributors who import, export or move inventory across long distances.
If you don't see what you're looking for, we can discuss any additional coverage you may need.
Employee Benefits and HR Solutions
Attracting and retaining talent is top of mind for many employers — especially in today's competitive landscape. Gallagher's dedicated Small Business team partners with you to build programs that truly work for your people and your bottom line.
We bring together HR, benefits and financial wellbeing into one cohesive people strategy — so you don't have to manage multiple vendors or internal resources.
- Health and benefits: Plans tailored to your unique needs, workforce demographics and goals — so you can offer options that truly resonate with your employees
- Financial and retirement: Strategies that support employee financial wellbeing and long-term loyalty
- Talent support: An extension of your team, providing flexible HR expertise when you need it — from recruiting and payroll to compliance and strategic advisory
Shipping Discounts and Freight Solutions
Exclusive shipping programs that reduce your cost per shipment — whether you're sending packages or pallets.
- UPS® Shipping Program
- Save up to 65% on every UPS shipment
- 65% off Domestic Next Day / Deferred
- 42% off Ground Commercial / Residential
- 65% off International Export / 50% Import / 35% Canada Standard
- Free UPS Smart Pickup®
- Open a new account or apply discounts to your existing account
- Member Freight Program — LTL and Full Truckload
- Savings starting at 75% on LTL freight shipments
- Instant quotes for LTL, FTL, dedicated equipment, rail, ocean and air
- Domestic and international shipping solutions
- No volume requirements to participate
- UPS Capital® — Shipping Insurance
- Flexible parcel insurance protects against loss or damage in transit
- Covers the full sales price of goods — not just the item value
- Member-only rates on UPS small package shipments
For questions about any of our shipping programs or enrollment assistance, call 1.800.MEMBERS (800.636.2377) and speak to one of our Member Benefit Consultants, or email enroll@1800members.com.
Don't Leave Your Business Exposed
Whether you need a full coverage review, a competitive quote or just want to make sure you don't have gaps, our wholesale distribution insurance advisors are ready to help.
Sources
1 "The Travelers Injury Impact Report," Travelers, accessed 13 July 2026.
2 "Workplace Safety Index," Liberty Mutual, accessed 13 July 2026.