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Small Business Insurance FOR YOUR DISTRIBUTORSHIP

You Supply the World

Working with manufacturers and managing a variety of inventory, you understand the importance of keeping your products and facility protected. Whether it’s damage to your warehouse, business interruption losses, or somewhere in between, we’re here to help safeguard your business from the unique risks you face.

Some of the types of Distributors/Wholesalers we insure include:

  • Appliance
  • Auto Parts
  • Baked Goods
  • Barber/Beauty Supplies
  • Clothing
  • Fabrics
  • Floor Covering
  • Flower
  • Hardware
  • HVAC
  • Office Equipment/Supplies
  • Plumbing Supplies

Coverages

Your business is everything to you. Protecting it is everything to us. 

In addition to key coverages such as property and liability, we also offer coverages tailored for your business, including:

  • Brands and Labels
  • Business Income from Dependent Properties
  • Cyber Suite
  • Employment Practices Liability Insurance
  • Equipment Breakdown
  • Spoilage and Contamination
  • Utility Services
  • Professional Liability
    • Florist
    • Optical & Hearing Aid Establishments

Additional Coverages

Our coverage has evolved to help protect you from today’s concerns. Our additional coverage also includes:

  • Business Auto
  • Workers' Compensation

Eligibility Considerations

Eligible

Ineligible
  • Five locations or fewer
  • Chemical
  • Property values per location of $5M or less
  • Critical auto parts
  • Up to 50 employees 
  • Drug or druggist
  • Gross sales per location of $6M or less 
  • Energy/fuel
  • 35,000 square feet or less 
  • Machinery and equipment
  • Buildings less than 70 years in age OR with acceptable updates
  • Metal
  • Two or fewer claims in the last three years 
  • Refrigeration systems or equipment
  • Products purchased from U.S. suppliers
  • Tobacco and tobacco products
  • Total floor area open to the public of 25% or less
  • Used merchandise
  • Annual gross sales derived from retail operations of 25% or less
  
  • No packaging or repackaging of products to be sold under the insured's own label
  
  • Radius of operations of 200 miles or less
  

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