Wholesale Distributors

Client Centered

Client Centered

Our business is built on a foundation of thoughtful client relationships.

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

The nuts and bolts of insurance for a wholesale business

When you have a wholesale business, or a warehouse, you have many considerations. The good thing about wholesale from an insurance standpoint is the cast can be fairly low compared to many other businesses. Of course the cost depends of the size of your business and your annual revenue, and monthly premium payments are generally available. 

Many wholesalers choose a Business Owners Policy (BOP), which acts much like a homeowner policy - many coverages combined into one neat package. Workers' Compensation and Commercial Auto are  separate policies. A BOP policy can include - 

  • Business Personal Property, to include inventory, tenant improvements, furniture and fixtures, equipment
  • Loss of Income, to replace income lost in the event of an insured event, such as vehicle damage or fire
  • Employee Dishonesty
  • Money & Securities (your cash both on and off premises)
  • Glass and Sign
  • General Liability
  • Medical Payments, a "no-fault" coverage for customers, delivery people hurt even through their own clumsiness
  • Non-owned and Hired Vehicle Liability

Many optional lines of protection are available to supplement this basic coverage, such as Cyber and Employment Practices Liability. 


If you take credit cards, you could experience an expensive data breach.

Learn more

Workers' Compensation

It's required by law, of course.

Learn more

Commercial Auto

Do you deliver? You'll need Commercial Auto insurance.

Learn more

Why we're different - 

At Insurance121 Insurance Solutions, we work to protect those of you with a wholesale business in Elk Grove, Galt, and surrounding areas - to include Wilton, Sloughhouse, Rancho Murieta, Acampo, Walnut Grove, Hood, Sacramento, Lodi, Stockton - and throughout California. In Elk Grove, we are members of Elk Grove Chamber of Commerce, Rotary Club of Laguna Sunrise, Rotary Club of Elk Grove and BNI (Business Networking International) Elk Grove Harvesters Chapter.

We're located in Elk Grove, CA and are licensed in California (DOI# 0K01870).

Why we're different - 

You may think you want the cheapest insurance you can find, but low cost isn't everything. After all, it's said there's no such thing as a free lunch.

While many insurance products are similar in price and function, insurance agents and providers are very different when it comes to structuring a policy to cover you. Your business is unique. Why would you want a one-size-fits-all insurance policy. Many of our insurance carriers offer SPECIALIZED PRODUCTS WITH UNIQUE COVERAGES for various types of businesses.

We’re your neighbors. We protect businesses and people we know and care about. And businesses and people YOU know and care about. And that means we look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let us at Elk Grove's LOCAL Insurance121 Insurance Solutions help you protect THE BUSINESS YOU'VE PUT YOUR SLEEPLESS NIGHTS, YOUR MONEY, YOUR EVERYTHING, INTO BUILDING for yourself, your employees, your community and your family. We'll help you make wise choices to protect what you value most.

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