Wholesale Distribution Insurance

Coverage that protects your Wholesale Distribution business

Call (443) 304 – 9927 For a Live Agent

As a wholesaler/distributor, you manage a constant flow of products and people that need protection at every turn. Whether you’re inventorying products in a warehouse or shipping deliveries with a fleet of vehicles, your business needs insurance that works as hard as you do.

Listed below are the Coverages and Package limits available.

Typical Wholesale Distribution Coverage Summary

Typical Property Coverages

Typical Basic Package Limits

Typical Enhanced Package Limits

Business IncomeActual loss sustained – 18 monthsActual loss sustained – 18 months
Seasonal Automatic IncreaseIncludedIncluded
Accounts Receivable$5,000* on premises / $2,500 off premises$15,000* on premises / $2,500 off premises
Arson Conviction Reward$5,000$5,000
Back-up of Sewers or Drains$1,000*$1,000*
Brands and LabelsUsually enhanced only$25,000
Building OrdinanceN/A ($5,000 Increased Cost of Construction included)Undamaged portion – included
Demolition – $50,000*
Increased Cost of Construction-$50,000*
Computer Coverage$15,000*$30,000*
Civil Authority3 weeks, or when BI ends, whichever is longer3 weeks, or when BI ends, whichever is longer
Crime Reward$5,000$5,000
Debris Removal25% covered loss / $10,000 add’l above Prop/BPP limits25% covered loss / $10,000 add’l above Prop/BPP limits
Extra ExpenseActual loss Sustained – 12 monthsActual loss Sustained – 12 months
Fire Department Service Charge$2,000$5,000
Fire Extinguisher Recharge$5,000$15,000
Increased Cost of Construction$5,000*$50,000*
Master Key$1000 per occurrence$5,000 per occurrence
Newly Acquired or Constructed Locations – Buildings$500,000$1,000,000
Newly Acquired or Constructed Locations – BPP$100,000$500,000
Outdoor Property$500 per item / $2,500 max$500 per item / $2,500 max
Outdoor Signs$5,000*$10,000*
PersonalEffects$2,500$2,500
Personal Property Off Premises$5,000 in transit
$15,000 at other locations
$15,000 fairs and exhibitions
$15,000 in transit
$50,000 at other locations
$25,000 fairs and exhibitions
Pollutant Clean-Up$10,000$10,000
Premises Boundary100 feet1,000 feet
Preservation of Property30 days60 days
Product Recall Expense$10,000$100,000
Valuable Papers and Records$5,000* on premises / $2,500 off premises$15,000* on premises / $2,500 off premises

CrimeCoverages

Basic Package Limits

Enhanced Package Limits

Employee Dishonesty$5,000*$20,000*
Money and Securities – Inside/Outside$10,000*$20,000*
Forgery and Alteration$2,500$2,500
Money Orders & Counterfeit Paper Currency$1,000$1,000
 * Higher limits available 

Liability Coverages

Limits

Premises/Operations and Products/Completed Operations
$500,000, $1M or $2M per Occurrence
Premises/Operation Aggregate:
2 x Liability and Medical Expense Occurrence Limit
Products/Completed Aggregate:
1 x Liability and Medical Expense Occurrence Limit
General Aggregate:
2 x Liability and Medical Expense Occurrence Limit
Personal Injury
Included
Advertising Injury
Included
Bail Bonds
$250
Tenants Liability
$100,000
Medical Expenses
$5,000 per person/$25,000 per occurrence
Reasonable Expense
$250/day
Employee Benefits Liability
$100,000* (Premier Only)
 
*Higher limits available

 
Let the Commercial Insurance Agency help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Wholesale Distribution Insurance policy holders.

Get a Personalized Quote for your Wholesale Distribution Business

 

Our policies meet the strict standards of your vendors.

Get your business better coverage & rates. 

Talk to an experienced insurance agent today.
 

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"The turn around time for items needed is always less than 30 minutes and as quick as 2-5 minutes."

Aeron Alberti

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