Business Insurance for Wholesale Distributors

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Top wholesale distributors we insure

Insureon has helped small businesses like yours secure over 1 million policies.

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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 icon

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.

  • Third-party bodily injury
  • Third-party property damage
  • Product liability claims
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for wholesale businesses and distributors that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Business owner’s policy icon

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.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Umbrella / excess liability insurance icon

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.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance for wholesale distributors can pay for liability claims and property damage in an accident. It can also cover vehicle theft and vandalism.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Surety bond icon

Surety bonds

Surety bonds guarantee that an insurance company will reimburse a client if a wholesaler fails to deliver products or fulfill the terms of a contract.

  • Failure to deliver products
  • Contract disputes
  • Late deliveries
Looking for different coverage? See more policies.

How much does insurance cost for wholesalers?

Woman calculating wholesale costs with cargo, truck, and people.

Several factors will have an impact on insurance costs, including:

  • Wholesale and distribution services and products offered
  • Business equipment and property
  • Business income
  • Location
  • Number of employees
View Costs
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