What to Look for When Purchasing Insurance for Distributors

All types of Distributors will need to have an Insurance policy that coverage more than just the traditional liability & property exposures. Finding the right coverage, and carrier will be instrumental for any distributor.

Use A Carrier With An Excellent Loss Control Program

Finding a carrier with a great Loss Control program will keep your workplace safer, and ultimately reduce your premiums and claims exposure. All carriers that specialize in providing coverage for distributors will have industry specific experts to help you manage risk for your business.

Key Insurance Coverage for Distributors

Equipment Breakdown Coverage

Every policy should include some form of Equipment Breakdown coverage. Costs to fix or replace the equipment could be costly since a time element is usually involved. Most standard policies do not include this coverage, make sure you have this endorsement added to your program.
Coverage Details

Business Income Coverage

This coverage part is vital to every distributor. Whether a delivery truck has an accident, have a fire at your facility, or a supplier fails to deliver the materials you need, your business could face significant loss of income. To properly insure for this risk, have your CFO work with an insurance professional to determine the appropriate limit of coverage needed.
Coverage Details

Spoilage Coverage

If the product you are distributing relies on refrigeration, this coverage is required. This coverage will protect you in the event of product loss caused by spoilage.
Coverage Details

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Distributing Customer Spotlight

Crown

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– Jim Smith, Director of Operations