Wholesale Distribution & Product Movement Risk Enterprises

Protecting Inventory, Contracts, Logistics, and Facility Operations for High-Volume Wholesale and B2B Distribution Networks Across the U.S. and International Markets.

Wholesale and distribution operations face ongoing risk across inventory management, transportation, and product liability. We design elite insurance programs that safeguard warehouses, support logistics, and stabilize revenue through every stage of movement.

45%

Of product liability lawsuits involve goods sold through wholesalers.

$8.2T

U.S. wholesale distribution accounts for over $8.2 trillion in annual sales.

59%

Of warehouse related claims involve employee injury or equipment incidents.

The Unique Risks of Wholesale & Distribution

Distributors operate at high volume with complex storage, transport, and liability risk requiring custom insurance programs that protect facilities, inventory, client contracts, and supply performance against both physical and legal exposure.

Warehouse and Facility Loss - Fires, racking collapses, forklift incidents, or mechanical failure.
Product Liability and Recall - Claims from resold defective or mislabeled goods.
Transit and Logistics Disruption - Delays, theft, or damage during transport and delivery.
Contractual and Performance Exposure - Legal exposure from missed fulfillment or noncompliance.
Workplace Injury and EPL Risk - Employee claims from accidents, harassment, or safety lapses.

Our wholesale risk programs protect warehoused goods, fulfill contract expectations, and guard against the ripple effects of injury, transit failure, or defective product exposure.

Specialized Coverages for Wholesale & Distribution

Warehouse Property & Inventory

Covers goods-in-storage, racking systems, and equipment
Fire, theft, collapse, and water damage protection
Business income included for facility shutdowns

Product Liability & Recall Coverage

Covers bodily injury or damage caused by sold goods
recall coordination, legal defense, and crisis management
Often required by major B2B buyers

Transit & Inland Marine

Covers goods-in-transit, both domestic and international
Theft, collision, overturn, or spoilage included
Optional temperature-sensitive goods extension

General Liability & Premises Risk

Slip and fall, visitor, injury, or off-premises liability risk which may include operational risks
Defense costs and medical reimbursement
Required for vendor contracts and compliance