Wholesale insurance commonly describes specialist distribution or placement arrangements serving brokers and other intermediaries.
The distinction that matters
It does not automatically mean cheaper cover, broader protection or the same legal client classification in every jurisdiction.
What to check
- Identify the insurer and intermediary roles.
- Review authorisation and disclosures.
- Compare the actual policy and remuneration.
Example to discuss
A broker accessing a specialist facility checks the underwriting entity and claims arrangements before recommending the placement.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.