Insurance for wholesale and distribution businesses
Distributors carry inventory, ship product and sell to customers who may be anywhere. What you say you do and where you do it changes how an underwriter sees you.
What to watch for
Where you sell. Product liability in another country is a different risk. A single line on a website can matter.
Inventory and storage
Stock in a warehouse needs the right property coverage and limits.
Transport
Your trucks, your drivers and the goods in transit each carry their own exposure.
What the website says
Underwriters read it.
Coverage for this business
Every business is placed a little differently. These are the policies we talk through most often, and a conversation with Kristi will tell you which ones your business actually needs.
General and products liability
Claims that a product you sold caused harm.
Property and inventory
Stock, equipment and the building.
Commercial auto
Delivery vehicles and drivers.
Cargo
Goods in transit.
Umbrella
Higher limits above the underlying policies.
One line on a website
An electrical supply distributor was declined instantly. The reason was one line on their website: that they shipped to Canada. For a US carrier, product liability under another country’s legal system is a very different risk. They had never sold anything in Canada. They took the line down, the underwriter verified it, and they got a great price.
Questions we hear
The short versions of conversations Kristi has with business owners every week.
Does where I sell change my premium?
It can. Selling to other countries changes the legal exposure for your products.
Do I need cargo coverage?
If you move goods you own or are responsible for, ask. It is separate from your auto policy.
Can my website cause a decline?
Yes. Underwriters look it up. Make it match the business on the application.
Ready to have someone in your corner?
Book a free consultation. We’ll walk through your business, identify the gaps, and build a strategy that actually fits.