Countries of origin and destination
Review this carefully when evaluating the insurance program and preparing a submission.
Importer & 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.
Serving Utah and all 50 states. We help wholesalers, distributors and logistics companies across Utah, including Logan, Salt Lake County, Utah County and St. George, and we write commercial insurance for clients in all 50 states. We look at how your locations, people, property and contracts actually affect the coverage you need. 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.
Imported productsA U.S. importer may face substantial responsibility for products made by an overseas supplier.
Ocean & inland cargoCoverage should match when title and risk of loss transfer under the sales contract.
Foreign suppliersRecovery against an overseas manufacturer may be difficult after a product claim.
International operationsTravel, foreign sales, local requirements and contractual obligations may create additional coverage needs.
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.
Incoterms and shipping responsibility
Review this carefully when evaluating the insurance program and preparing a submission.
Product testing and quality control
Review this carefully when evaluating the insurance program and preparing a submission.
Foreign travel, sales and operations
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.