Products sold and annual sales
Review this carefully when evaluating the insurance program and preparing a submission.
Product 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.
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. Whether your operation is in one Utah location or spread across several states, we focus on lining up the right coverage before your renewal, not after a claim. 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 goodsImporters can face heightened responsibility when the actual manufacturer is overseas.
Private labelSelling a product under your own name can change how a claim develops.
Contractual transferIndemnification and additional-insured requirements can shift risk between manufacturers and distributors.
Recall costsOrdinary product liability and product recall are not the same coverage.
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.
Manufacturers and countries of origin
Review this carefully when evaluating the insurance program and preparing a submission.
Private-label or relabeled products
Review this carefully when evaluating the insurance program and preparing a submission.
Loss history and quality-control procedures
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.