Wholesalers & Distributors Insurance

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Wholesalers & Distributors Face a Range of Risks

Wholesalers and distributors can face a wide range of risks. Damage to products, shipping accidents and data security issues can significantly impact a wholesaling or distribution business. Even so, people who manage risk for these firms can rest assured that The Hartford is there to help businesses reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Wholesalers and Distributors
Property Choice® for Wholesalers and Distributors helps protect the property a wholesaling or distribution firm owns and leases, including things like computers, supplies and equipment. Our Specialized Property Insurance Coverage Endorsement (SPICE®) can enhance and customize Property Choice coverage to meet the needs of different types of wholesalers and distributors. And for growing wholesale and distribution businesses, The Hartford makes it easy to cover newly acquired property.
Helps cover property damage, including damage to rented properties, and accidents related to running a wholesale or distribution business. General liability coverage from The Hartford can also help protect business assets in the event of a lawsuit for claims of negligence, personal injury, faulty products, false advertising, libel, slander, errors, omissions, and more. This coverage can be customized by the business to meet the needs of almost any wholesaler or distributor. 
The Hartford has flexible options that can be tailored by businesses to the individual needs of different types of wholesale and distribution businesses. This coverage can help reimburse costs related to the physical loss or damage to computer hardware, computer software, loss of data, and damage caused by computer viruses. When traveling on business, it also covers portable computer equipment within limits worldwide. 
Helps covers the structure and contents of a warehouse or distribution center in the event of a flood. The Hartford is the third largest provider of flood insurance in the country and has been offering this coverage for more than two decades. 
Helps cover the costs to recover or reconstruct accounts records that are lost or damaged by a covered loss, so businesses are able to reissue invoices and collect outstanding balances. 
Helps cover the loss of business income if a firm is unable to conduct business because of an interruption in utility services due to a covered event. 
Our end-to-end cybersecurity solutions helps protect wholesalers and distributors from a broad range of potentially severe third-party liability and first party risks associated with data privacy and network security breaches, including hacking, malicious software, activities of rogue employees, hardware theft, employee error and more.
Helps protect against management liability risks faced by wholesale and distribution businesses and their management teams. Our offering includes:
 
  • Directors, Officers and Entity Liability Coverage (D&O) – helps protect wholesale and distribution businesses, their directors, officers and management personnel against loss that arises out of the day-to-day operations and management of the company.
  • Employment Practices Liability Coverage (EPL) – helps protect wholesalers and distributors from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, violation of the Family and Medical Leave Act, refusal to hire and wrongful termination or discipline.
  • Fiduciary Coverage – helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans. 
  • Crime Coverage – helps protect wholesalers and distributors against loss from employee theft, computer fraud and other similar crimes.
  • Kidnap/Ransom & Extortion Coverage (K&R) – helps protect against financial losses due to kidnap and ransom/extortion, both in the U.S. and abroad.
Helps wholesalers and distributors reduce common merger and acquisition (M&A) risks.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Helps wholesalers and distributors survive a significant liability claim that exceeds the limits of primary coverage. 
Additional Solutions for Wholesalers and Distributors
The Hartford is a leading provider of Workers’ Compensation Insurance. XactPAY® offers pay-as-you-go workers’ compensation premium payments based on actual monthly payroll figures to help better manage cash flow fluctuations and minimize audit adjustments. Best of all, this coverage is offered at no extra cost. 
Covers vehicles a wholesale or distribution business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, along with lease and loan gaps. For wholesalers and distributors, we offer FleetAhead, a commercial vehicle solution that uses telematics and real-time data to help fleet owners identify risk and prevent accidents. Participating companies can get a 15% discount on their premiums. 
Helps provide protection for wholesalers and distributors that ship products both in the U.S. and overseas. Coverages can include:
 
  • Ocean Cargo Insurance, which helps cover most shipments of goods, freight and merchandise within limits.
  • Warehouse Legal Liability Insurance, which helps cover physical loss or damage to property during storage, cross docking, or other similar activities.
  • Property in Transit Insurance, which helps protects a wholesaler’s or distributor’s property if damaged during shipment.
The Hartford’s innovative Risk Engineering team strives to assist wholesale and distribution companies run safer and ultimately more profitable with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security.
 

Wholesalers Customer Claims Reviews

About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 

For Smaller Firms

Smaller wholesaler firms typically require specialized insurance coverage.
 
The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.

Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates. In California, this insurance is written by Sentinel Insurance Company, Ltd. (CA license #8701). In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In WA, this insurance is written by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident and Indemnity Company, Hartford Underwriters Insurance Company, Sentinel Insurance Company, Ltd. and Hartford Insurance Company of the Midwest.