Distributor and Wholesaler Insurance
Great Rates, Service and Coverage From Reputable Insurers.
If you are a wholesaler or distributor of food or personal goods, we have a policy for you.
Coverage highlights include broad income and employee-related coverages, as well as product recall, brands and labels, spoilage, and equipment failure coverages. We access insurers brokers cannot, and often offer superior premiums and coverage.
Available Wholesaler and Distributor Insurance Coverages
Tenant improvements coverage covers permanently attached property on the rented premises that were installed or purchased by the insured. Under wholesaler and distributor insurance, we recommend a tenant improvements limit that is based on the value of the improvements.
Business property coverage, also known as contents coverage, covers loose property on the insured premises. For a wholesaler and distributor insurance policy, we recommend a contents limit that is based on the value of this property.
Off-Premises property coverage covers property away from the insured premises. Under distributor and wholesaler insurance, we recommend an off-premises limit that is based on the value of the property that could be taken off the insured premises.
Typically the building owner covers glass damage, however, some leases require that the tenant cover glass damage, which tenant’s glass coverage covers. Under a distributor and wholesaler insurance policy, we recommend a tenant’s glass limit that is based on the value of the windows at the insured location.
Employee dishonesty covers embezzlement of company funds. For wholesaler and distributor insurance, we recommend an employee dishonesty limit that is based on the company funds exposed to embezzlement.
Business income coverage replaces lost income if a covered loss renders the shop uninhabitable. Additional coverage is available for power outages. Under a wholesaler and distributor insurance policy, we recommend a business income limit that is based on the income that could be lost over the period of time that could be required to repair the insured location.
Product recall coverage covers expenses associated with withdrawing or recalling products due to a defect that could cause injuries or damage. Recommended under a distributor and wholesaler insurance policy is a product recall limit that is based on the potential costs of withdrawing or recalling products.
Equipment breakdown coverage provides coverage for mechanical breakdown, electrical or electronic breakdown, or rupture, bursting, bulging, implosion, or steam explosion of covered equipment that results in direct physical loss or damage resulting from a covered cause of loss. This does not cover wear and tear.
Brands and labels coverage pays cost to re-label merchandise to comply with the law after a covered loss.
Spoilage coverage covers product that is spoiled after mechanical breakdown or failure of refrigeration equipment. For wholesaler and distributor insurance, we recommend a spoilage limit that is based on the value of the products that could spoil.
General liability coverage primarily protects your company financially if held responsible for trip and slip-type injuries. For a wholesaler and distributor insurance policy, at least $1,000,000 general liability coverage is recommended.
Personal and advertising injury coverage primarily covers defamation and copyright/trademark infringement. Under distributor and wholesaler insurance, a personal and advertising limit of at least $1,000,000 is recommended.
Product liability coverage covers injuries or property damage caused by products sold. A product liability limit of at least $1,000,000 is recommended under a distributor and wholesaler insurance policy.