A deeper look at our segments: Wholesale

Gore’s wholesale appetite centres on well-managed, low-hazard risks manufactured to North American standards, supported by proactive maintenance and stable performance. For clients who value stability, risk mitigation, and long-term resilience, we’re the insurer that recognizes — and rewards — disciplined risk management.
Partner with us to place business that benefits from a true standard-market experience: consistent, efficient, and built for longevity.
Appetite at a glance



Preferred categories 
Key considerations 




Apparel & footwear
Kitchen and bath surface materials 
Electronics & electrical
Food and beverage (non-perishable)
Food (perishable)
Hobbies, media & stationery
Home & decor
Restaurant commercial equipment
Optical accessories
Low-hazard sporting goods (non-protective)




North American sourcing or comparable quality assurance (e.g., Western Europe, Japan, G8 countries)
Fully sprinklered premises
Documented quality‑control processes and product‑recall procedures
Strong premises security measures
Good housekeeping and storage/warehousing practices 
CSA/ULC‑listed 
Perishable goods stored under proper refrigeration with monitored alarms 
Demonstrates clear understanding of the product’s intended use and has a proven record of reliable performance






Specialized coverage considerations* 

Product recall expense endorsement: Delivers targeted protection for wholesalers facing the high costs of recalling defective or potentially harmful products. It covers communication, shipping, staffing, and storage, so you can act fast, limit supply‑chain disruption, and maintain customer confidence when a recall is required.
Functional pro-environmental replacement cost: Gives wholesalers the ability to replace damaged property with newer, energy‑efficient, and environmentally friendly equipment without bearing the full upgrade cost. This supports sustainability goals, lowers long‑term operating expenses, and helps businesses rebuild with smarter, greener technology in a cost-efficient manner after a loss.
Consequential loss including off-premises power failure: Protects wholesalers against losses caused by temperature or humidity changes resulting from on‑site equipment failure or off‑premises power outages. This helps safeguard refrigerated and climate‑sensitive inventory and maintain business continuity when utility disruptions occur.
Negative publicity coverage: Helps wholesalers protect revenue and reputation when a serious on‑premises incident — such as contamination in stored goods, a warehouse safety incident, or a hazardous materials event — draws public attention or triggers a regulatory shutdown. It covers lost income and essential expenses, supporting a fast return to operations and preserving customer trust.

*Subject to the terms and conditions of the policy
Submission quality
High‑quality submissions help expedite underwriting and enhance the overall experience. Provide information that addresses the key considerations required for accurate risk assessment. 
Real-world example: Why we wrote this account 

Client profile: Dry Goods, piece goods, wool
Established: 1922
Annual revenue: $10 million
Risk highlights:

All products non-perishable, with no processing or repackaging 
Formal quality control and recall program in place 
Well-maintained, newer build, sprinklered premises with alarm systems
Revenue distribution: 75% Canadian, 15% USA, and 10% foreign
Established company with continuous insurance coverage
Claims-free history