Insurance for a wholesale and/or distribution business is absolutely critical. PA fire, flood or break-in at your premises could have a devastating impact.
Our tailored wholesalers insurance packages will protect machinery, contents and stock as well as your legal liability risks in the form of public and employers liability insurance.
Your dedicated business insurance advisor will help you understand the various cover options before comparing quotes from our panel of leading insurers, providing peace of mind that you have the right cover at the right price.
Aside from the obvious protection of buildings, stock, machinery and contents, if your wholesale business has employees then you are required by law to purchase employers liability insurance.
Employers liability provides cover for legal costs and compensation payments following claims by an employee for injury or illness sustained as a result of their employment with your firm.
For example, a common cause of claim for wholesalers is from employees suffering from long-term chronic back injuries relating to lifting.
Depending on the type of goods you distribute, products liability insurance can also be very important. Products liability provides protection against claims from members of the public who have suffered injury or illness as a result of a product you have supplied.
Whilst you may believe that the manufacturer is ultimately responsible, claims will be directed to a wholesaler in the first instance – insurers may seek to subrogate the loss from the manufacturer, however where goods are purchased from the Far East this can be problematic.
Your suppliers are just as susceptible to fire or other serious losses as you are – maybe even more so! With that in mind, we can extend your policy to cover your loss of income (business interruption) should key business partners suffer a claim or loss that interrupts their ability to supply you with product(s).
Specialist cover for all types of wholesale or distribution operations
Single or multiple locations (including non UK premises)
Non-standard construction and high risk trades
Products Liability (including goods from China and Far East)
Import and Export specialists (Including cover for Export to USA)
Buildings, contents, tools, machinery, stock and fixtures & fittings
Stock or goods in transit
Business Interruption (including specialist suppliers extensions)
Legal liabilities (Public Liability and Employers Liability)
We compare prices and business cover from our panel of leading commercial insurers
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – just pay for the sections you need
Expert advice from liability insurance specialists
Expert Medical Legal and Claims Support
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