Peak stock values by location
Review this carefully when evaluating the insurance program and preparing a submission.
Commercial Property & Inventory Insurance for Distributors
For a distributor, inventory is often the balance sheet sitting on racks. Limits, valuation, peak seasons and catastrophe exposure deserve more attention than simply copying last year’s numbers.
Serving Utah and all 50 states. Wholesalers, distributors and logistics companies along the Wasatch Front and beyond, from Cache Valley to Washington County, can work with a local advisor who also writes coverage in all 50 states. Contracts, lenders and carriers often ask for specific limits and documentation, so we review your contracts and operations before going to market. Request a quote and we'll review your current program with you.
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.
Peak inventoryA limit based on average stock can be inadequate during seasonal or purchasing peaks.
ValuationReplacement cost, actual cash value and selling-price considerations can produce very different outcomes.
Multiple locationsInventory may move among warehouses, overflow storage and temporary locations.
Protection systemsSprinklers, alarms, commodity classification and storage height can materially affect underwriting.
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.
Building, racking and equipment values
Review this carefully when evaluating the insurance program and preparing a submission.
Seasonal fluctuations
Review this carefully when evaluating the insurance program and preparing a submission.
Temporary and off-site storage
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?
Send us a few basics and we will follow up to learn more about your business.
Reviewing your broader wholesale or distribution insurance program? Explore our distributor insurance guide to see how inventory, product liability, transit and business income coverage fit together.