Wholesale & Distribution Insurance

Why Wholesale & Distribution Businesses Need Insurance

Managing inventories, equipment and facilities can expose your wholesalers business to some unique risks. And that’s on top of the usual risks that businesses deal with, like property damage or the loss of important records.

To learn more about the types of business insurance for wholesale & distribution, get a quote today.

Who Needs Wholesale & Distribution Business Insurance?

Food distributors
Furniture distributors
Importers
Beer and ale distributors

Find out more about other related professions we insure:

Manufacturer Insurance

What Is the Best Insurance for Wholesale & Distribution?

Most small wholesale & distribution companies have a Business Owner’s Policy (BOP). This protects your business the same way a homeowners policy protects your home and personal possessions.

A BOP combines three basic insurance coverages into one policy so it can save you money:

General liability insurance helps protect you if someone sues your business for causing bodily injury or property damage.
Commercial property insurance helps cover your owned or rented equipment and its physical location.
Business income insurance can help you recover lost income when you can’t run your business because of covered property damage, like a fire.

You can work with companies like us to find the coverage you need, like general liability insurance, equipment breakdown coverage and more. Regardless of who you choose, you’ll want to get multiple quotes from different insurance companies and compare them. To get started, get a quote today.

Protecting Your Property as a Wholesale & Distribution Business

Your inventory and equipment are essential for operating your business. Getting the right business insurance coverages can help make sure they’re protected when the unexpected strikes.

Fatal vehicle crashes increased 7.2% from 2019 to 2020.¹

Commercial Auto Insurance

“I was delivering an order to a business when I accidently rear-ended the car in front of me. No one was hurt, but the company truck needed repairs.”

Commercial auto insurance can help cover the costs of an auto accident if you or an employee is at fault while driving for your distribution business.

Commercial Property for Wholesale & Distribution

“We were putting a shipment of inventory together for a client when our equipment stopped working. We needed to replace it – and fast.”

Commercial property insurance helps cover property damage to your owned or rented business property. This can include your:

Building
Equipment
Tools
Inventory
Furniture
Personal property

Taking Care of Your Wholesale & Distribution Team

We know how important your team is to the success of your business. Keep them protected on the job with the right business insurance coverage.

27% of nonfatal work injuries resulted in days away from work in 2019 and were associated with slips, trips and falls.²

Workers’ Compensation Insurance

“We received a large shipment and as we were unloading it, one of our employees fell while carrying a heavy box. X-rays determined he sprained his wrist and broke his ankle.”

Workers’ compensation insurance can help provide benefits to employees with a work-related injury or illness. It can help pay for their medical treatment.

Covering Your Wholesale & Distribution Operation

Your business' operations consist of many moving parts. From managing inventory to using equipment to organizing shipments, you’ve spent hours perfecting your operation. Keep it protected with the right business insurance.

Commercial liability costs have increased 14% from 2016 to 2018.³

Transit Business Income Insurance

“We were transporting an order to a client’s business when we got into a car accident. There was major damage to both our vehicle and the inventory we were transporting. It took us a few weeks to replace the damaged items and reship them to our client.”

Transit business income insurance helps cover losses from a business interruption if damage occurs while property is in transit.

Product liability insurance for distributors

Get Wholesale & Distribution Insurance From The Hartford

Find the coverages you need at the right price for your wholesale & distribution business.

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