Wholesale and Distribution Insurance
Wholesale and distribution insurance typically combines general liability, product liability, commercial property and business personal property for inventory, inland marine and cargo coverage for goods in transit, commercial auto, and workers’ compensation. In California, a distributor can be pulled into a product-defect claim under strict supply-chain standards, and workers’ compensation is required once you have any employees.
Wholesale and distribution businesses live and die by inventory and movement. We help California wholesalers and distributors build a program that follows their goods from the warehouse shelf to the customer’s door.
What does wholesale and distribution insurance cover?
- General liability for third-party bodily injury and property damage.
- Product liability for harm alleged to be caused by products you distribute.
- Commercial property and business personal property, including inventory.
- Inland marine and cargo coverage for goods in transit.
- Commercial auto and fleet coverage for delivery and hauling.
- Workers’ compensation for employee injuries and illness.
Who needs it? Warehouse-based wholesalers and distributors across California, from single-location operations to multi-site logistics companies.
California applies strict product-liability standards across the supply chain, so even a distributor that did not manufacture a product may be pulled into a defect claim. Standard commercial property and BOP policies typically exclude earthquake and flood, which matters for warehouses holding large inventory values. In California, workers’ compensation is required once a business has any employees, including warehouse and driving staff.
How we help: We look at where your product sits, how it moves, and where the value concentrates, from warehouse inventory to trucks on the road. From there we help you match coverages to those exposures and spot gaps, especially around inventory values and goods in transit that are easy to underinsure.
