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Differentiated Broking Solutions – Retail & Distribution

Competitive insurance solutions delivering best-in-class terms, identification of emerging risks and timely marketplace adjustments.

WTW's Differentiated Broking Solutions (DBS) brings together our deep industry and technical expertise and extensive market relationships with top property & casualty insurers to deliver industry-tailored insurance solutions.

The Retail & Distribution DBS is designed to create a sustainable, competitive solution in order to provide best-in-class terms, identify emerging risks and adjust offerings to coincide with the ever-changing marketplace.


The Retail & Distribution Industry DBS is designed to have a broad industry appetite with a primary emphasis on:

  • Auto parts and dealers
  • Paper goods, book and office supplies
  • Apparel and accessories
  • Department or sporting goods stores
  • Hobby toy and gaming stores
  • Grocery and food
  • Fuel station with stores
  • Furniture and furnishings
  • Food and beverage manufacturing

DBS provides coverage for the core property & casualty lines of business:

  • Business auto
  • General liability
  • Property
  • Umbrella
  • Workers’ compensation


  • Comprehensive pre-negotiated enhanced coverages
  • Option to place coverage on a standalone basis, or in an expanded package/suite where appropriate
  • Firm minimum service requirements
  • Consistent, reliable program coverage

Coverage enhancements

DBS consistently delivers standardized elevated coverage to our clients. Below are just some of the many enriched coverages DBS provides.

  • Extended notice of cancellation for all lines
  • Per location aggregates included
  • Unintentional errors and omissions and broadened notice of knowledge of occurrence included on all lines
  • Enhanced CAT coverage for time element sublimits such as civil authority or ingress and egress
  • Increased property sub-limits:
    • Minimum of $1M limit for contingent time element
    • Minimum of $500,000 limit for electronic vandalism
    • Minimum of $5M limit for newly acquired premises — Real property
  • Enhanced coverage endorsements including:
    • Blanket additional insured and blanket waiver on casualty lines
    • Minimum of $100 per disablement on towing and labor
    • Employees as insured and employees hired autos


  • Chubb
  • CNA
  • Everest Re
  • Liberty Mutual
  • Travelers
  • Zurich
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