Wholesale & Distribution Insurance
Inventory, products, transportation, customer property and contracts all intersect in distribution. The right insurance program starts with understanding where responsibility sits throughout the supply chain.
Explore the risks behind the operation.
Use these pages to dig into the business types and coverage issues that commonly matter for wholesalers, distributors, warehouses and importers.
Insurance for Wholesalers & Distributors
Wholesalers and distributors connect manufacturers to customers. That creates a mix of inventory, products, transportation, contract and property exposures that should be reviewed together.
Learn more →ExploreWarehouse Insurance
A warehouse can concentrate millions of dollars of property under one roof. Fire protection, storage configuration, customer goods and downtime can matter just as much as the building itself.
Learn more →ExploreBuilding 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.
Learn more →ExploreIndustrial Equipment Distributor Insurance
Equipment distributors often do more than sell a box. Demonstration, installation, repair, training and imported components can create exposures beyond ordinary wholesale operations.
Learn more →ExploreImporter & Exporter Insurance
Importing and exporting can shift responsibility in ways that are easy to miss. Product origin, Incoterms, cargo responsibility, foreign vendors and U.S. product liability should be understood before a loss.
Learn more →ExploreProduct Liability Insurance for Distributors
Not manufacturing a product does not mean a distributor cannot be sued when that product allegedly causes injury or property damage. The details of the supply chain matter.
Learn more →ExploreCargo & Goods-in-Transit Insurance
Inventory does not stop being valuable when it leaves the warehouse. The important question is who is responsible for it at each point in the trip—and whether the policy follows that responsibility.
Learn more →ExploreWarehouse Legal Liability Insurance
A warehouse operator’s own property policy and its responsibility for a customer’s goods are different questions. Warehouse legal liability is designed around liability for property of others in the operator’s care.
Learn more →ExploreCommercial 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.
Learn more →ExploreBusiness Income & Supply-Chain Insurance for Distributors
A distributor can lose revenue without its own building burning down. A key supplier, port, warehouse, customer or utility interruption can create a serious income problem.
Learn more →The exposure changes as goods move.
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