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Wholesle Products

The one-stop shop for Agents & Brokers for all SPG wholesale products.

Agritainment

  • Farms & Agritainment operators such as maze, hayride farmers market, petting zoo, kiddie rides, Farm based entertainment operations, employees, contractors & volunteer worker

  • General Liability upto $1M/$2M (higher on request)

Annuities

  • Not applicable

Cargo

  • Freight forwarders, NVOCCs, shipping lines, customs brokers, and international trading companies
  • Cargo, logistics liability, stock throughput, shipper’s interest, and bonds

Commercial Auto

  • Commercial auto risks including trucking, for-hire transportation, buses, specialty vehicles, and hard-to-place operations
  • Auto liability, physical damage, and motor truck cargo; limits up to $5M backed by National Indemnity (A++ XV, Berkshire Hathaway)

Commercial GL and Property

  • General Liability: Hard‑to‑place or specialty risks across many industries
    Limits: Carrier‑determined; umbrella/excess available up to $5M
  • Commercial Property: Non‑standard or specialty commercial buildings and business property
  • Limits: Determined by A‑rated E&S carriers; varies by program 

For VA, MD, NC, PA, DC, SC, DE – Go here.

All other states – Go here.

Cyber and Tech E&O

  • Technology service providers & product companies
  • Digital businesses & Cybersecurity and network security specialists
  • Any company that stores, processes, or transmits data

Day Spa / Salon / Permanent Makeup

  • Licensed day spas, Salons, Aesthetics studios. Independent contractors & owners are included

  • General & professional liability, Sexual abuse, Medical payments, Cyber Protection, Equipment in transit

Event Cancellation 

  • Event organizers, Venue planners, sporting associations hosting live or in-person event

  • Coverage protects against cancellation, postponement, abandonment, interruption

Homeowners / Dwelling Fire

  • For states: MA, PA, NH, ME, NY, PA – go here. 

  • For states: NM, AZ, CO, TX – go here.

Management Liability

  • Private companies, nonprofits, partnerships, LLCs, and financial institutions seeking protection for directors, officers, and management teams.
  • D&O, Employment Practices (EPLI), Fiduciary Liability, Commercial Crime, Kidnap & Ransom – standalone or packaged; access to 30+ A-rated carriers.
    Where: Nationwide

Medical Supplement

  • Available Plan types; Standard Medicare Supplement Plans A–N
  • Must be enrolled in Medicare Part A & Part B
  • Typically age 65+ or meeting state-specific Medigap rules
  • Must live in a state/county where BUA’s partnered carriers offer plans
  • Eligible during Medigap Open Enrollment or other Guaranteed Issue situations

Medispa

  • Medispa clinics, aesthetic studios, wellness centers & associated professionals

  • Professional/General liability, Cyber protection, Property, Business interruption, Sexual abuse

Miscellaneous E&O

  • Limits are Per Claim & Aggregate
  • Flexible Description of Professional Services, Supplementary Payments, Extended Reporting Periods

Personal Umbrella / Personal Liability

  • For states – VA, MD, NC, PA, DC, SC,DE – Go here.
  • All other states – Go here.

Products Liability

  • Manufacturers, distributors, importers/exporters, private labelers & wholesalers of consumer products
  • Products Liability up to $5M claims-made, general liability, excess liability, professional liability, cyber, property medical payments & more

Pyrotechnics

  • Fireworks manufacturing, Wholesaling, importing/exporting, Class B/C retail, special FX for entertainment events
  • Liability upto $5M including general, product, auto, cargo,workers comp & excess liability

Rental Property

  • For: VA, MD, NC, PA, DC, SC, DE – Go here.
  • For all other states – Go here.

Sexual Abuse & Molestation

  • Organizations (Education, childcare, social service, youth programs) that interact with minors or vulnerable populations

  • Liability for sexual abuse/misconduct, defense & indemnity

  • Limits upto $1M/$3M

Small Business Program

  • Quote and bind small business insurance online in minutes with a same-day effective date.
  • Professional Liability, General Liability, Business Owner’s Policy, and Cyber Insurance are available for hundreds of professions.

Smoke Shops & E-Cigs

  • Retailers, Lounges, manufacturers, Importers Distributors & private labelers including hookah & cigar lounges
  • General liability, Products liability, property, transit, employee dishonesty, equipment breakdown & business income up to $3.5M TIV

Tattoo & Body Piercing

  • Tattoo studios, Tattoo professionals, Body piercing shops, Mobile artists

  • General & professional liability, Sexual abuse, Medical payments, Cyber Protection, Equipment in transit

Term Life

  • Individuals and businesses seeking term life coverage; accelerated underwriting available for healthy clients under 60 with face amounts under $1M.
  • Multi-carrier term life via the Vive platform – includes level, decreasing, and convertible term; plus advanced case design for estate planning, buy-sell, key person, and executive benefits.
  • Nationwide through 20+ highly rated carriers including John Hancock, Lincoln, MassMutual, Protective, Prudential, and others.

Trucking

  • Auto Liability, Physical Damage, Motor Truck Cargo, General Liability, and Occupational Accident.
  • Programs support Class 6–8 tractors, hotshots, sprinters, and specialized vehicles across dry van, refrigerated, tanker, intermodal, and flatbed operations.
  • Large deductible programs: Auto Liability up to $2M CSL, General Liability up to $2M CSL, Physical Damage including CAT PD.

Universal Life

  • Product Types include:
    Term Life, Universal Life (UL), Indexed UL (IUL), Whole Life, Survivorship options, Premium-financed life solutions, Private Placement Life (PPLI), Life settlements (selling existing policies)
  • Ages typically 18–80+ (varies by carrier/product)
  • Face amounts from small policies to multi‑million coverage
  • Both medical and accelerated/no-exam underwriting options available via Vive (carrier dependent)

Vacant Property

  • For Commercial Property (VA, MD, NC, PA, DC, SC, DE) – Go here. 
  • For Personal Property – (VA, MD, NC, PA, DC, SC, DE) – Go here.