Wholesale and Distributor Insurance

If you engage in wholesale selling and distributing of food, drink, building material or various dry good products (may include packaging and sorting for your clients), we offer a comprehensive wholesale and distributor insurance program that protects your business operation.


  • Annual sales up to $10,000,000 per location
  • Building and business personal property up to $10,000,000 per location

Eligible operations (Manufacturer’s representatives are eligible):

wholesale distributor insurance
  • Appliance Distributors – Household Type
  • Architect, Engineer, Surveyor, or Draftsman Equipment and Supplies 
  • Art Goods and Supplies Distributor
  • Audio or Video Media – Prerecorded
  • Audio, Video and Software Media – Blank
  • Automobile Parts and Supplies Distributor
  • Awnings and Canvas Goods
  • Books, Magazines and Newspapers
  • Bread and Baked Goods Distributor
  • Brick, Stone and Related Construction Materials Distributors
  • Car Wash Equipment and Supplies
  • Clothing or Wearing Apparel Distributors
  • Coffee and Tea Distributors
  • Computer and Peripheral Equipment Distributors
  • Dairy Products Distributors
  • Electrical Equipment and Supplies Distributors
  • Fabric Distributors
  • Fence & Fencing Accessories
  • Floor Covering Distributors
  • Flower, Nursery Stock and Florist Supplies
  • Footwear / Shoe Distributors
  • Funeral, Cemetery or Burial Supplies
  • Furniture
  • Glass – Flat and Plate
  • Grain and Field Bean Distributor
  • Hardware and Tool Distributors
  • Heating & Air Conditioning Equipment & Supplies
  • Hobby Goods and Supplies
  • Home Furnishings Distributors
  • Household and Personal Electronics Distributor
  • Janitorial Supplies – Dealers or Distributors
  • Laundry and Dry Cleaning Equipment and Supplies
  • Lawn and Garden Equipment
  • Luggage and Leather Goods Distributors
  • Lumber, Plywood, Millwork, and Wood Panels Distributors
  • Metal Products – Non-precious
  • Musical Instruments and Accessories Distributors
  • Novelties and Gifts Distributors
  • Office Equipment and Furniture Distributors
  • Oil Kernels, Nuts, and Seeds Distributors
  • Ophthalmic Goods Distributors
  • Paint, Varnish, and Supplies
  • Paper Products Distributors
  • Pet Supplies
  • Photographic Equipment and Supplies
  • Plumbing Supplies and Fixtures Dealers and Distributors
  • Printing and Bookbinding Supplies
  • Radio and Radio Parts and Supplies
  • Refrigeration Equipment Dealers and Distributors 
  • Roofing, Siding, and Insulation Materials Distributors
  • Sporting Goods or Athletic Equipment Distributors
  • Stationery and Office Supplies
  • Telephone, Telegraph, Facsimile Equipment Distributors
  • Vending Machines
  • Wigs and Hairpieces
Ineligible operations…

  • Operations with long-haul auto exposure
  • Past sales or installation of imported/non-USA manufactured drywall or wallboard
  • Selling or distributing directly-imported products capable of producing severe property damage or bodily injury

Closer Underwriting Review…

  • Selling or distributing goods directly imported from foreign manufacturers
  • Selling or distributing goods under own name or label
Protect your business with these Property / Casualty insurance coverages:

  • General Liability
  • Damage to the property of others
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
Standard Property Coverages:

  • Actual Loss Sustained Business Income for up to 12 months
  • Business Income from Dependent Properties – $5,000 included with higher limits available
  • Equipment Breakdown including breakdown of computer equipment
  • Peak Season – 25% of Business Personal Property Limit
  • Newly Acquired or Constructed Property – $250,000 Building, $100,000 Business Personal Property
  • Removal of Insurance-to-Value Provision – no coinsurance

Optional Property Coverages:

      • Blanket Insurance
      • Business Income – Extended Period of Indemnity
      • Extended Replacement Cost Valuation – Building
      • Ordinance Or Law
      • Outdoor Signs
      • Utility Services – Direct Damage and Time Element
      • Water Backup from Sewers or Drains
      • CyberOne
        • Insures for events that damage or degrade insured’s data and systems
        • Pays defense and liability costs for an insured’s systems security failure, including the breach of third party business information
      • Data Compromise
        • Insures data breach, theft, or unauthorized disclosure of personal information
        • Helps insured to be compliant with breach notification laws and requirements
        • Offers services to affected individuals such as credit monitorings
        • Pays defense and liability costs for actions brought by affected individuals as a result of a breach of personal information
      • TechAdvantage Equipment Breakdown
        • Microelectronics Coverage – when physical damage isn’t detectable but equipment suddenly stops functioning
        • Cloud Computing Service Interruption – waiting period, sublimit and deductible apply
        • Service Interruption Data Restoration – waiting period, sublimit apply
        • Off Premises – Property Damage, Business Income, Extra Expense & Data Restoration Coverage
        • Public Relations Coverage – applies if loss of business income (Sublimit – $5,000)
Standard Liability Coverages:

      • Aggregate Limit of Insurance – 2X occurrence
      • Broadened Named Insured – includes volunteers

Optional Liability Coverages:

      • Aggregate Limit of Insurance by location
      • Electronic Data Liability
      • Employee Benefits Liability
      • Employment Related Practices Liability
      • Increased Products/Completed Operations Aggregate – 3X Occurrence
      • Liquor Liability
      • Product Withdrawal
Included on Inland Marine and Crime Standard Coverages:

      • Accounts Receivable – $25,000 included with higher limits available
      • Computer Hardware and Software included within Business Personal Property
        • Data – up to $10,000 included
        • Interruption of Computer Operations – up to $10,000 included
      • Valuable Papers and Records – $25,000 included with higher limits available

Included crime coverages:

      • Money and Securities – $10,000 on premises and $5,000 off premises with higher limits available
      • Employee Dishonesty – $5,000 with higher limits available
      • Forgery and Alteration – $5,000 with higher limits available

Other Insurance Options available:

    • Electronic Data Processing – Hardware, Software, On- and Off-Site Web Servers and Software, Business Income and Extra Expense, and Interruption of Web Site Coverage
    • Scheduled Property
    • Computer Fraud and Funds Transfer Fraud
    • Umbrella
    • Commercial Auto
    • Workers Compensation

Affordable Insurance Coverage

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote. Note: Some payment options may not be available in all states.

Phone or email Kevin Morency to get started on your quote. Since each wholesaler / distributor is unique, he will discuss your needs and can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.