Wholesalers Insurance Program

When your wholesale distribution business experiences an insurance claim, it can slow down or even bring operations to a halt.

You face daily risks of fire, cyber breach, equipment breakdown, and more. The loss these events pose would severely impact the business’ efficiency and create significant financial and reputational losses.

We have decades of experience in effective planning and oversight, sound risk management, and the right insurance coverage can meet your needs. We will provide the right coverage to address the potential exposures to loss unique to your wholesale distribution business.

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Types of Wholesalers that We Insure

  • Air conditioning and refrigeration equipment
  • Automobile parts and supplies
  • Food and beverage
  • Barber or beauty shop supplies
  • Wood products and building material
  • Gardening and light farming supplies
  • Household, home furnishings, and office machines and supplies
  • Equipment, fixtures, and supplies
  • Floor covering
  • Hardware and tool
  • Hearing aid and optical goods
  • Hobby, craft, or artists supply
  • HVAC equipment
  • Janitorial supplies
  • Lighting and electrical equipment fixtures
  • Machinery or equipment dealers
  • Paint and wallpaper
  • Printing supplies

Coverage Highlights

Property

  • Computers & office equipment
  • Money, securities & valuable papers
  • Electronic commerce
  • Brands and labels
  • Advertising injury
  • Outdoor property & signage
  • Property off-premises or in-transit
  • Food contamination
  • Spoilage
  • Personal effects

General Liability

  • Additional insured
  • Increased medical payments
  • Vendors
  • Waiver of transfer of rights
  • New formed or acquired organizations
  • Increased legal liability

Business Auto

  • Broadened named insured
  • Additional insured as required by contract or agreement
  • Transportation expense due to theft of covered auto
  • Glass deductible waiver
  • Rental reimbursement
  • Drive other car coverage
  • Fellow employee coverage

Optional Coverages Tailored to Wholesalers

Equipment Breakdown
Both real and personal property coverage including electrical, mechanical, and pressure systems breakdown.

Inland Marine
Examples of Inland Marine coverage we can offer your wholesale business include Accounts Receivable, Valuable Papers, Electronic Data Processing and other coverages tailored to your needs

Crime
Examples of Crime coverage we can offer your wholesale business:

  • Employee dishonesty
  • Forgery
  • Money and securities
  • Employee retirement income security

Cyber Liability
Coverage for a Privacy Breach event
Coverage for media wrongful acts, network security, wrongful acts, and privacy wrongful acts
Extortion Coverage

EPLI
Protection for discrimination, harassment, wrongful termination, and more
Protection for you and employees from allegation of wrongful acts
Extended reporting period up to 36 months
Available to companies up to 50 employees

Workers’ Compensation
Protection from work related injuries or illness. Workers’ Compensation coverage provides payment for medical care, lost time wages, financial benefits to the family of a deceased worker, and more. Workers’ Compensation coverage can protect both you and your employees.

Umbrella Coverage
Additional liability coverage to help protect against severe or catastrophic claims against you. This coverage protects your assets when the cost of a general liability or commercial automobile claim exceeds the limits of those policies.

Risk Management Services

Services

  • BMAG Safety Portal with safety news, reference links, and safety sheets
  • On-site safety and health assessments
  • Customized training programs
  • Specialized property consulting
  • Industrial hygiene
  • Safety video rentals
  • Management services, including fleet safety, accident investigation, job safety analysis, machine and material handling reviews

Training Offered
Our customized training programs assist in developing management skills and procedures to reduce loss.

Loss Control Services also offers our clients a range of educational and reporting materials.