Wholesalers and Distributors Insurance

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Top wholesale and distribution businesses we insure

Insureon has helped small businesses secure over 1.5 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 helps pay for legal costs from accidental property damage and injuries. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).

  • Customer bodily injuries
  • Customer property damage
  • Product liability claims
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of insurance for wholesale and distribution businesses.

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

Commercial umbrella insurance

Umbrella insurance helps cover the most expensive lawsuits. It boosts coverage on a wholesaler’s general liability, commercial auto, or employer’s liability insurance policy once its limit is reached.

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

Commercial auto insurance

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

  • Auto accident injuries
  • Property damage caused by your vehicle
  • Vehicle theft and vandalism
Cyber insurance icon

Cyber insurance

A cyber liability policy helps wholesale distributors recover from data breaches and cyberattacks. It's recommended for any business that stores credit card numbers or other sensitive data.

  • Data breach investigations
  • Customer notification costs
  • Fraud monitoring services
Looking for different coverage? See more policies.

Does my wholesale business need commercial auto insurance?

A painting company's trucks with ladders on the roof.

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?

Wholesale and distribution business owner calculating the cost of insurance.

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

  • Services and products offered
  • Business equipment and property
  • Business income
  • Location
  • Type of insurance or surety bonds purchased
  • Number of employees
  • Claims history
View Costs

How do I get wholesale and distribution business insurance?

It’s easy to find business insurance for wholesalers and distributors. Whether your focus is beverages, jewelry, or computers, you’ll need to have some basic information about your business available.

Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application.
  2. Compare free quotes and choose a policy.
  3. Pay for your policy and download a certificate for proof of insurance.

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance solutions for your wholesale business, whether you work independently or hire employees.

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Common questions about wholesaler and distributor business insurance

Do wholesalers and distributors need product liability insurance?

Yes. Any business that manufactures, sells, or distributes products should carry product liability insurance.

A wholesaler or distributor could be held liable when a product injures a customer or leads to property damage. You could face a product liability lawsuit even if the harm was caused by a defective product you weren't responsible for, improper instructions, or mislabeled packaging.

Product liability insurance is typically included with your general liability insurance or business owner's policy.

What is the difference between retail and wholesale insurance?

Retailer and reseller insurance is very similar to wholesaler and distributor insurance. For example, both types of businesses should carry:

A retailer might need general liability insurance to sign a store lease, while a wholesaler might need it to sign a contract with a client. Beyond any requirements from landlords, clients, and state laws, these policies provide crucial protection that can help your business survive financially when a crisis hits.

What other insurance coverage do wholesale and distribution businesses need?

In addition to the policies mentioned above, wholesalers and distributors should consider the following coverage options:

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Detergent lined up on store shelves for sale.
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