WHOLESALERS & DISTRIBUTORS

Wholesalers & Distributors Insurance

Protecting inventory, logistics, and supply chain operations

Wholesalers and distributors play a critical role between manufacturers and end users. With exposure tied to inventory storage, transportation, contracts, and third-party handling, risk exists across the entire supply chain.

A properly structured insurance program helps protect cash flow, continuity, and contractual relationships.

Key Risks in Wholesaling & Distribution Operations

Wholesalers and distributors face exposure related to:

• Damage or loss of inventory

• Property risks at warehouses and storage locations

• Transportation and delivery-related liability

• Product-related claims passed through the supply chain

• Employee injuries in warehouse environments

• Contractual obligations with vendors and customers

Even small disruptions can create significant financial impact.

Core Coverages for Wholesalers & Distributors

Wholesale and distribution insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims arising from operations or third-party interactions.

Commercial Property
Covers buildings, inventory, racking systems, and equipment against covered losses.

Commercial Auto
Provides liability coverage for owned, hired, or non-owned vehicles used in deliveries or logistics.

Product Liability
Protects against claims alleging injury or damage caused by distributed products.

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

What’s Commonly Overlooked

Wholesale and distribution insurance programs are often weakened by:

• Underinsured inventory values

• Missing contingent business interruption coverage

• Gaps between product liability and supplier agreements

• Inadequate cargo or transit coverage

• Failure to align coverage with contract requirements

These gaps often surface during losses involving inventory or deliveries.

Real-World Claim Examples

• Fire damages warehouse inventory

• A forklift accident injures an employee

• A product defect leads to downstream liability claims

• A delivery accident results in third-party injury

Supply chain claims can escalate quickly and impact multiple parties.

Why Proper Placement Matters

Wholesaler and distributor coverage varies significantly based on:

• Type of goods handled

• Storage and handling processes

• Transportation exposure

• Contractual risk transfer provisions

Improper placement can result in uncovered losses or contract disputes.

Our Approach

At Cory Washington & Co., we structure wholesaler and distributor insurance programs around real operational flow — from storage to shipment. We focus on aligning coverage with inventory values, logistics exposure, and contractual responsibilities.

Strong distribution depends on uninterrupted movement.