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Business Insurance for Wholesalers and Distributors
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Recommended wholesaler and distributor insurance policies
A lawsuit, worker injury, or fire could halt operations at your wholesale or distribution business. Find peace of mind with insurance coverage designed for your unique risks.
General liability insurance
This policy provides third-party liability coverage for client injuries and other common accidents. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Third-party bodily injury
- Third-party property damage
- Product liability claims
Workers’ compensation insurance
Most states require workers' comp for wholesale businesses and distributors that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of insurance for wholesale and distributor businesses.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
Commercial umbrella insurance
Once a policy’s limit is reached, this liability policy boosts coverage on a wholesaler’s general liability, commercial auto, or employer’s liability insurance.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance for wholesalers and distributors can pay for liability claims and property damage in an accident. It can also cover vehicle theft and vandalism.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Cyber liability insurance
A cyber liability policy helps wholesale distributors recover from data breaches and cyberattacks. It's recommended for any small business that stores credit card numbers or other sensitive data.
BEST FOR
- Data breach investigations
- Customer notification costs
- Fraud monitoring services
Looking for different coverage? See more policies.
Does my wholesale business need commercial auto insurance?
Wholesale businesses and distributors that purchase commercial auto insurance often:
- Have a vehicle titled to their business
- Drive to and from worksites
- Carry supplies, equipment, or products used for work
- Transport clients or employees
- Rely on delivery drivers or couriers
Check the laws in your state to see when coverage is required.
How much does insurance cost for wholesalers?
Several factors will have an impact on insurance costs, including:
- Wholesale and distribution services and products offered
- Business equipment and property
- Business income
- Location
- Type of insurance or surety bonds
- Number of employees
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