Lumber and building supply yards
Review this carefully when evaluating the insurance program and preparing a submission.
Building Materials Distributor Insurance
Building-material distributors combine warehouse and yard property with heavy products, forklifts, delivery fleets and contractor customers—creating an unusually broad commercial risk profile.
What to Think About
The policy should match how the business actually operates.
Coverage needs depend on the products, contracts, property values, transportation arrangements and services involved. These are some of the issues worth reviewing.
Yard & stockOutdoor inventory and high seasonal values can create wind, theft and catastrophe concerns.
Delivery fleetBoom trucks, flatbeds and frequent jobsite deliveries increase auto exposure.
Products exposureFasteners, structural components and other building products can create significant downstream claims.
Property handlingForklifts, loading operations and customer pickup add premises and handling exposures.
Submission Checklist
Information that helps tell the story to underwriters.
Better information can help carriers understand the risk instead of making assumptions from a class code alone.
Roofing and siding distributors
Review this carefully when evaluating the insurance program and preparing a submission.
Electrical and plumbing supply
Review this carefully when evaluating the insurance program and preparing a submission.
Industrial construction supply
Review this carefully when evaluating the insurance program and preparing a submission.
Related Distribution Topics
One exposure rarely stands alone.
Property, products, transit, customer goods and business income often overlap in a wholesale or distribution account.
Want to review your current program?
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