Wholesaler & Distribution Insurance provided by [pods name="amplispot_custom_setting_page" id="43" field="name_of_the_company"] .

The Wholesaler & Distributor industry comes with numerous complex risks. Do you know that auto accidents are the leading cause of workplace injuries and fatalities in the U.S., averaging $65,875 in indemnity costs per claim?1 The indirect costs of an employee accident can be even more significant; 4 to 10 times more costly than the direct costs.
Wholesalers and distributors business insurance

The wholesale and distributor business can be a tough one. Fire, flood and damaging storms can harm your products and warehouse. Thieves can target your inventory and damage property just trying to get to it. And every part of your supply chain – from late supplier shipments to unpaid deliveries you’ve made – can impact your ability to pay bills and payroll. Make sure you have updated wholesalers’ business insurance coverage to protect you against such losses.

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Who is this right for?
  • Beer and ale distributors
  • Electrical supplies distributors
  • Fresh fruit and vegetables distributors
  • Furniture distributors
  • Grocery distributors
  • Importers
  • Industrial supplies distributors
  • LP Gas Distributors
  • And many more
What are the coverages in a wholesaler and distributors insurance policy?

Wholesalers and distributors insurance starts with a businessowners policy, or BOP, that combines commercial property, general liability, business income and other coverages into one convenient package.

  • Commercial property
  • General liability
  • Business income
  • Equipment breakdown
  • Other business insurance policies you may need
  • Commercial auto
  • Workers’ compensation
  • Crime insurance
  • Property in transit
  • Product liability
  • Umbrella

We will review your needs and help you evaluate which Wholesalers and distributors business insurance coverages makes the most sense. Talk to us today to know more.

Commercial Auto Coverage

Risk Factors
If you own or lease a vehicle that is used for business purposes, then commercial vehicle insurance is an essential requirement for your business.
Solution
Commercial property protects your building and its contents in the case of a loss due to fire, a burst water pipe or other covered event at your business.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Business Interruption Coverage

Risk Factors
If your business is forced to undergo a work stoppage, this coverage helps keep your business operational. For example, if your warehouse is destroyed by fire, this coverage helps mitigate business expenses while you recoup.
Solution
Business income Covers losses that occur when work is interrupted or your office is closed temporarily due to a covered loss at your business.

Note:  Please talk to your financial consultant to check all the facts before proceeding

General Liability Coverage

Risk Factors
If a customer gets hurt at your warehouse or an employee causes damage to a customer’s property while making a delivery, this insurance can help your business deal with these types of claims.
Solution
It helps protect you if someone sues your business for causing bodily injury or property damage. It can also help cover certain claims of slander and libel.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Workers Compensation Coverage

Risk Factors
Workers’ compensation insurance is required by law in most states. It provides benefits to your employees for work-related injuries or illnesses.
Solution
The benefits can help pay for medical treatment, replace some wages from lost work time, and more. If your employee’s family sues you, workers’ comp can also help pay for your legal fees.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Crime Coverage

Risk Factors
Crime exposure is from employee dishonesty. This operation involves a number of transactions and accounts that can be manipulated if duties are not separated.
Solution
If your business has crime insurance in place, you would no longer have to pay for legal expenses or damages to your goods if any.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Inland Marine Coverage

Risk Factors
While goods may come to the warehouse via contract or common carriers or trains, items are generally delivered to customers on trucks owned by the distributor. Goods can be damaged during transit by collision or overturn.
Solution
It covers your equipment, tools, and supplies as you move them from one job to another or while delivering your warehouse products to a client. Policies can also cover any equipment that you store away from your primary location.

Note:  Please talk to your financial consultant to check all the facts before proceeding