Wholesalers & Distribution Business Insurance

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Why Wholesalers Need Business Insurance

Managing inventories, equipment and facilities can expose small wholesale and distribution companies to specialized risks. And that’s in addition to the typical issues most businesses deal with like workplace property damage or loss of important documents and records. Learn about the insurance small wholesale companies and distributors typically need and most often purchase from The Hartford.

Business Owner’s Policy

Most small wholesalers and distribution companies have a Business Owner’s Policy (BOP). Why? Because it protects small businesses in much the same way a homeowner’s policy protects your home and personal possessions.

By combining three basic insurance coverages that are important to virtually every small business, including wholesalers and distributors, a BOP can save you money while safeguarding what you’ve worked hard to build. 
  1. General Liability – helps protect wholesalers and distributors from certain lawsuits alleging injuries or property damage that occurred as the result of business operations, like if a customer is injured at your warehouse or an employee causes damage to a customer’s property while delivering a shipment of goods. It even helps cover certain claims of slander and libel against wholesalers and distributors. Business Liability insurance coverage does not cover liabilities directly arising out of the professional services you may provide.
  2. Commercial Property – helps protect the place where wholesalers and distributors do business, like a warehouse or distribution center, and the things they use to conduct business like dollies and shelving, whether owned or leased.
  3. Business Income – helps cover the loss of income when you can’t run your wholesale or distribution business due to covered property damage.
Learn more about our Business Owner’s Policy for your small wholesale or distribution business.
Easily Add Optional Insurance Coverages to a Business Owner's Policy
Wholesale and distribution businesses often store information about their employees, customers, vendors, and suppliers, including Social Security and credit/debit card numbers. Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personally identifiable information data is lost or stolen from your business.
Wholesalers may face a number of claims and lawsuits by employees for issues such as termination, discrimination, retaliation or harassment. For example, if you were sued by an employee who claimed she was not given the necessary and reasonable accommodations for a disability, EPL could help cover defense costs and settlements you may be obligated to pay.
Wholesalers and distributors depend on power and communication services. Business Income for Off-Premises Utility Services Coverage (OPUS) covers loss of income caused by interruptions in utility services beyond your control, such as when a storm downs power lines and electrical service is not available. Unlike most other insurance companies’ offerings, OPUS coverage from The Hartford starts as early as 12 hours from initial interruption of utility service.
With OPUS, wholesalers and distributors can get insurance that provides power interruption protection and safeguards their income against outages of other utilities as well.
Imagine what may happen if an important vendor's property is damaged and they can't provide you with the products or supplies you need to run your business. Business Income from Dependent Properties coverage helps pay for your lost business income when a major supplier or distributor suffers a loss and must close while their damaged property is being repaired or replaced.
Your wholesaler and distributor business may rely on equipment in order to run your business. If you own your own franchise and your equipment is damaged, you may be required to upgrade damaged portions of your equipment to conform to franchise standards. This coverage helps pay the cost of the required upgrades.
Bundle Insurance Coverages for Wholesaler Businesses
It’s easy to increase your small wholesaler or distributor Business Owner’s Policy protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For wholesalers and distributors like you we offer:
  • Wholesalers/Distributors Stretch
  • Stretch Plus
  • Super Stretch for Business Services
  • Super Stretch for Wholesaler Distributors
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your wholesaling or distribution business.

Additional Solutions

If you have employees, use a car for work, or work from home, your wholesaler business may also benefit from:
Other Important Insurance Options for Wholesaler Businesses
Required by most states, workers’ compensation insurance provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family decides to sue you, coverage can help you with related legal fees.

Businesses, including small wholesalers and distributors, have been turning to The Hartford for workers’ compensation coverage for more than a century.
Do you ever use your personal car or truck to pick up office supplies, drive to meetings with vendors or suppliers, make deliveries and sales call, or more for your wholesale business? A Business Auto Policy provides coverage generally not included in a personal auto policy. It can cover you or an employee when a personally owned vehicle, used for business purposes, is involved in an accident.
If you run your wholesaling or distribution business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides coverage not generally available with a homeowner’s policy. 
Ask yourself, “Do I have customers or buyers come to my home, do I receive business mail or shipments at my home, do I have employees or inventory at my house?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.