In today’s volatile economic market, it’s good to have stability in an insurance partner. MBDA has partnered with Penn National Insurance to bring our members a comprehensive business insurance program that not only provides the coverages designed for beverage distributors but also provides the opportunity for member policyholders to earn an annual dividend.

Penn National Insurance offers MBDA members its coverage-rich PennPac endorsements on business owners, property, auto, and general liability. Specifically for beverage distributors, our package includes broadened property and liability coverages, liquor liability protection, and umbrella coverage— all at competitive rates.

An important aspect of this group insurance program is preventing loss and controlling claims costs. For workers’ compensation policyholders, an expert team of loss control consultants is available to help your business review safety issues and develop strategies to control claims. This program also delivers an innovative managed care program that provides quality medical care and attention to injured workers. We resolve workers’ injuries quickly with less red tape and help them return to the job faster to minimize lost productivity. The results: the opportunity to earn a dividend at the end of the plan year because of lower loss experience. Eligible lines of dividend consideration include business owners, commercial auto, commercial fire and crime, general liability, inland marine, workers’ compensation, and liquor liability.

How it works
Dividends earned are based on the total group premium and claims experience of eligible lines. For example:
If group premium is: $1 Million
And loss ratio is: 19%
Dividend is: 9%
If member premium is: $20,000
Dividend earned will be: $1,600

While dividend payments are based on program eligibility and are not guaranteed, Penn National Insurance has declared a dividend for MBDA members for eight of the past ten consecutive years. Penn National Insurance paid a 9% dividend to MBDA member policyholders in 2018 and 2019.

Penn National Insurance (, founded in 1919, in Harrisburg, Pa., sells property-casualty insurance in 11 states, through a network of more than 1,200 independent agency operations. The company wrote $734 million in net written premium in 2018 on $591 million in policyholders’ surplus, and total assets exceeded $1.7 billion. The company employs approximately 830 people in its 11-state sales and service territory.

For more information about the MBDA program, contact the MBDA at 215-732-6258 (or or visit to find an independent insurance agent near you.