Wholesale/Distributors Insurance
Coverage That Keeps Your Supply Chain Running Smoothly and Securely
What Is Wholesale/Distributors Insurance?
Wholesale & Distributors Insurance is specialized coverage designed for businesses that store, ship, and distribute products to retailers, manufacturers, or other buyers. This includes wholesalers, distributors, warehouses, import/export companies, supply-chain providers, and logistics operations.
This insurance protects your inventory, facilities, vehicles, staff, and business operations from risks such as product damage, transportation losses, equipment breakdowns, liability claims, and disruptions in the supply chain. Whether you handle food products, consumer goods, industrial supplies, or specialty items, this coverage keeps your business secure throughout the distribution process.
Why Do You Need It?
Wholesale and distribution businesses rely on efficient movement, safe storage, and precise handling of large quantities of goods. A single incident—such as damaged inventory, a warehouse fire, a transportation accident, or a supply-chain interruption—can lead to significant financial losses and delayed orders. Without proper insurance, these setbacks can strain customer relationships and impact profitability.
Wholesale & Distributors Insurance protects your operation by covering inventory losses, liability claims, business interruptions, and transportation-related risks. With the right protection in place, you can keep your supply chain moving smoothly and maintain the trust of your customers.
Types of Wholesale/Distributors Insurance
General Liability Insurance – Covers third-party injuries or property damage at your facility or caused by your operations.
Commercial Property Insurance – Protects your warehouse, equipment, shelving, inventory, and office space from fire, theft, or vandalism.
Product Liability Insurance – Covers claims if a product you distribute causes injury or damage once it reaches the end user.
Cargo & Transit Insurance (Inland Marine) – Protects goods while they are being shipped, transported, or temporarily stored off-site.
Commercial Auto Insurance – Covers delivery vans, trucks, and other vehicles used to transport products.
Warehouse Legal Liability – Protects against losses for customers’ goods stored in your warehouse if damaged or lost while in your care.
Business Interruption Insurance – Helps replace lost income due to a covered event that disrupts operations, such as fire or equipment failure.
Workers’ Compensation – Covers employees injured while handling inventory, operating machinery, or performing warehouse tasks.
Equipment Breakdown Coverage – Covers repairs or replacement for essential machinery like forklifts, conveyor belts, compressors, and packing systems.
Cyber Liability Insurance – Protects against data breaches, ransomware, and digital threats affecting order systems, inventory software, or customer data.