Wholesale & Distribution Insurance

Wholesale Insurance

Customized Business Insurance for Wholesale & Distribution

Whether it’s managing inventories or working with equipment, we know it takes hard work to run a wholesale & distribution business. That’s why we offer insurance coverage that has your back.
Wholesale Insurance

Why Wholesale & Distribution Businesses Need Insurance

Managing inventories, equipment and facilities can expose your wholesalers business to some unique risks. And that’s on top of the usual risks that businesses deal with, like property damage or the loss of important records.
To learn more about the types of business insurance for wholesale & distribution, obtener una cotización  hoy mismo.
Insurance for wholesale distributors

Who Needs Wholesale & Distribution Business Insurance?

  • Food distributors
  • Furniture distributors
  • Importers
  • Beer and ale distributors
Find out more about other related professions we insure:
Wholesale business insurance

What Is the Best Insurance for Wholesale & Distribution?

Most small wholesale & distribution companies have a Póliza para propietarios de empresas (BOP). This protects your business the same way a homeowners policy protects your home and personal possessions.
A BOP combines three basic insurance coverages into one policy so it can save you money:
  • General liability insurance helps protect you if someone sues your business for causing bodily injury or property damage.
  • Commercial property insurance helps cover your owned or rented equipment and its physical location.
  • Business income insurance can help you recover lost income when you can’t run your business because of covered property damage, like a fire.
You can work with companies like us to find the coverage you need, like general liability insurance, equipment breakdown coverage and more. Regardless of who you choose, you’ll want to get multiple quotes from different insurance companies and compare them. To get started, obtener una cotización  hoy mismo.

Protecting Your Property as a Wholesale & Distribution Business

Your inventory and equipment are essential for operating your business. Getting the right business insurance coverages can help make sure they’re protected when the unexpected strikes.
Fatal vehicle crashes increased 7.2% from 2019 to 2020.1
Independent insurance wholesalers

Seguro comercial para automóviles

“I was delivering an order to a business when I accidently rear-ended the car in front of me. No one was hurt, but the company truck needed repairs.”
Commercial auto insurance can help cover the costs of an auto accident if you or an employee is at fault while driving for your distribution business.
Wholesaler insurance

Commercial Property for Wholesale & Distribution

“We were putting a shipment of inventory together for a client when our equipment stopped working. We needed to replace it – and fast.”
Commercial property insurance helps cover property damage to your owned or rented business property. This can include your:
  • Building
  • Equipos
  • Tools
  • Inventario
  • Muebles
  • Personal property

Taking Care of Your Wholesale & Distribution Team

We know how important your team is to the success of your business. Keep them protected on the job with the right business insurance coverage.
27% of nonfatal work injuries resulted in days away from work in 2019 and were associated with slips, trips and falls.2
Distributors insurance company

Seguro de compensación para trabajadores

“We received a large shipment and as we were unloading it, one of our employees fell while carrying a heavy box. X-rays determined he sprained his wrist and broke his ankle.”
Workers’ compensation insurance can help provide benefits to employees with a work-related injury or illness. It can help pay for their medical treatment.

Covering Your Wholesale & Distribution Operation

Your business' operations consist of many moving parts. From managing inventory to using equipment to organizing shipments, you’ve spent hours perfecting your operation. Keep it protected with the right business insurance.
Commercial liability costs have increased 14% from 2016 to 2018.3
Independent distributor insurance

Transit Business Income Insurance

“We were transporting an order to a client’s business when we got into a car accident. There was major damage to both our vehicle and the inventory we were transporting. It took us a few weeks to replace the damaged items and reship them to our client.”
Transit business income insurance helps cover losses from a business interruption if damage occurs while property is in transit.
Product liability insurance for distributors

Get Wholesale & Distribution Insurance From The Hartford

Find the coverages you need at the right price for your wholesale & distribution business.
Iniciar cotización

For Larger Firms

Larger wholesaler firms typically require specialized insurance coverage.
Última actualización: 1 de febrero, 2024
1 National Highway Traffic Safety Administration (NHTSA), “2020 Fatality Data Show Increased Traffic Fatalities During Pandemic.”
2 Centers for Disease Control (CDC), “Fast Facts.”
3 United States (U.S.) Chamber Institute for Legal Reform, “New Study: Lawsuit System Costs Small Businesses $182 Billion.”
Divulgaciones adicionales a continuación.
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La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.