Wholesale and Distribution Insurance

Wholesalers & Distributors Insurance

Protection Built for the Supply Chain

With a long history of serving midsize and large wholesale and distribution organizations, The Hartford tailors insurance solutions to help address evolving industry needs.
 
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Wholesalers & Distributors Insurance

Coverage That Supports Operational Strength

From regional distributors to large wholesale operations, wholesale and distribution businesses face unique challenges driven by growing demand, expanding operations and increasing supply chain complexity. That’s why specialized insurance is essential to help support their continued growth and stability.

Serving Wholesale and Distribution Organizations

Drawing on more than 200 years of insurance experience, The Hartford offers specialized solutions supported by deep industry insight and dedicated specialists serving wholesale and distribution organizations, including:
  • Motor vehicle parts and supplies
  • Furniture and home furnishings (excluding appliances)
  • Professional and commercial equipment
  • Electrical goods and supplies
  • Machinery, equipment and supplies
  • Paper products
  • Clothing and apparel
  • Beverage distributors 

Coverage That Keeps Goods Moving

As risks continue to evolve across the wholesale and distribution industry, The Hartford offers comprehensive insurance solutions designed to help manage exposure and build confidence, including:

Our Coverages

Property Choice® helps protect a firm’s buildings, facilities and business equipment. Specialized Property Insurance coverages for Wholesale and Distribution include specified limits for Utility Service Interruption, BPP at Unnamed Premises, Transit Coverage, Brands and Labels included in BPP, Crime and Worldwide Dependent Property (when business interruption coverage is provided). 
Commercial Auto insurance helps protect wholesalers, distributors and their employees while driving business‑owned vehicles for work.
Multinational Choice helps protect wholesalers and distributors from losses and claims in over 220 countries. Regular business insurance doesn’t provide coverage outside the United States.
Inland Marine insurance is designed to help cover specialized equipment on-premises, off-premises, in transit or a combination of the three.
Product Recall Expense insurance helps cover the costs your business may incur when a product must be recalled due to a defect, contamination or suspected tampering.

Looking for Small Business Solutions?

Wholesale and distribution companies of all sizes have unique coverage and support needs. For smaller organizations seeking tailored protection and resources, visit our dedicated small business page.
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Identifying Risks Before They’re a Problem

Our risk engineering team can help find and fix issues before they become a problem. Our specialists use a variety of resources to help make businesses safer, including:
 
  • Ergonomic evaluations
  • Business continuity planning
  • Emergency preparedness
  • Premises safety
  • Advice on contractual risk transfer
  • Resources for controlling losses and limiting exposures 
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Exceptional Claims Service Dedicated to Wholesalers and Distributors

Our experienced claims and legal assistance teams take a timely, proactive approach to handling claims. We offer these exceptional resources:
 
  • Specialized ClaimPlus Teams focus on serving large customers with tailored claims handling while consulting experienced adjusters for complex cases.
  • Track Risk. Explore Opportunities (TREO) is a risk management information system designed to simplify claims management and effectively lower loss costs.