Wholesaler, Distributor, and Warehouse Insurance

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Insurance for Warehouses, Distributors, and Wholesalers

We help wholesalers, warehouses, and distributorships grow. We understand your risks, that your products constantly move, that inventory levels fluctuate, and respond by providing complete warehouse insurance packages that are tailored to your business. As an independent insurance agency, we have your interests at heart. We will shop your coverage with our strongest companies and present you with your options.  And our support doesn’t stop there. Strengthen your business by taking advantage of all the business tools and resources offered to our clients.

We can insure

All wholesalers, warehouses, and distributorships:

  • Distributors of retail, commercial, and industrial products
  • Durable goods
  • Non-durable goods
  • Machinery distributors
  • All food and drink
  • Parts and supply wholesalers
  • Climate controlled and refrigerated operations

We Offer

  • Our own warehouse of insurance companies, stocked with wholesalers insurance programs.
  • Experience with prompt, courteous service.  Each of our clients is assigned a personal agent and given their email address and a phone number that rings right on their desk.
  • Highly competitive pricing
  • Property:  building, contents, stock, inventory
  • Product recall
  • Spoilage and equipment breakdown, on premises and in transit
  • Business Income with Extra Expense
  • General Liability
  • Commercial Auto / Truck
  • Workers Compensation
  • Directors & Officers Liability
  • Employment Practices Liability Insurance
  • Employee Benefits Liability
  • all Others

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At Bankers Insurance, the client is always in control.

Warehouse Insurance

Keep product flowing with insurance for wholesalers, dealers, and distributors from Bankers Insurance. We understand this diverse industry and the challenges our clients face. Upward price pressure from manufacturers, downward pressure from retailers and consumers, inventory costs, distribution strategies, accounting – keeping your product moving involves much more than most people realize.

Bankers Insurance specializes in wholesaler insurance. We represent many national, A+ (Superior) and A (Excellent) rated insurance companies with tailored warehouse and distribution insurance packages. Let us offer a no-obligation risk analysis so that you are aware of all your company’s exposures. We can then advise on how to mitigate them and, the ones you can’t, how to insure against them. Let us be your trusted insurance agent.

Wholesaler / Distributor / Warehouse Insurance Quote

Wholesaler / Distributor / Warehouse Insurance Quote

  • Prefer a quote by phone? Call (877) 606-1375.
  • We currently only quote new clients located in DC, MD, NC, SC, TN, VA, & WV.
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Warehouse Insurance Highlights


Warehouse Insurance Property

Each of our wholesalers insurance solutions can include:

  • Warehouse, office, outbuildings, and offsite locations.
  • Blanket coverage available for all locations
  • Contents (business personal property)
  • Inventory and stock
  • Property of others, including manufacturers and vendors
  • Spoilage for refrigerated property
  • Equipment breakdown
  • Utility service interruption, both direct damage and also lost business income
  • Contents off-site
  • Business Income with Extra Expense: Covers lost net income in case of damage to property, plus extra expenses that arise as a result, such as rental of temporary storage and equipment.
    • This critical warehouse insurance coverage can include protection against loss to dependent properties you don’t own, such as a key supplier or vendor.
  • Computer systems, software, and the expense of data restoration
  • Consequential loss to stock
  • Stock valued at selling price
  • Property off premises
  • Property in transit
  • Seasonal increase in stock
  • Employee dishonesty, including pension plan (ERISA) compliance
  • Flood



Distribution Insurance Liability

Liability coverages that can be added to a warehouse insurance package

  • General Liability, including bodily injury, property damage, personal injury, advertising injury.
  • Products Liability
  • Liability due to damage to rented/leased premises
  • Product Recall Expense
  • Umbrella Liability
  • Vendors coverage
  • Professional Liability / Errors & Omissions
  • Directors and Officers Liability
  • Cyber liability: One of the most demanded coverages in our distribution insurance packages.
  • Employment Practices Liability Insurance
  • Employee Benefits Liability
  • Blanket additional insureds available


Business Auto / Truck

Wholesalers Insurance Business Auto

Even if you utilize 100% third party shippers, business auto coverage should be a part of your wholesalers insurance strategy.

  • Owned autos
    • Personal passenger type vehicles
    • Vans
    • Trucks
    • Semi tractors and trailers
  • Local, intermediate, and long haul
  • Non-owned (employee-owned or borrowed) vehicle liability
    • This coverage is needed if your employees ever drive their own vehicles on behalf of the business. Examples include running errands, picking up mail, or obtaining supplies. Should they be in an accident while working for the business, non-owned auto liability coverage as a part of your warehouse insurance strategy protects the organization.
    • Ever borrow another business’s truck in a pinch? Non-owned business auto coverage is where you receive protection.
  • Hired (rented) vehicle liability
    • With or without driver
    • Protects your business against liability associated with rented vehicles not listed on the policy. Longer term rentals or leases are typically added to the policy, but liability for short term rentals, even rental cars for business travel, is found here.
  • Limited physical damage for hired / rented autos.
  • Lease / Loan gap
  • Rental reimbursement
  • Towing and labor
  • Blanket additional insured


Workers Compensation

Warehouse Insurance Workers Compensation

Workers compensation insurance protects your employees should they be injured in a work-related injury. Health expense and disability coverage related to the injury is unlimited. This protection is usually written as a separate policy, but an important part of a thorough warehouse insurance package. Read more on how Bankers Insurance can help control your workers compensation costs.

  • Guaranteed cost, traditional programs
  • High deductible programs
  • Retrospective rating plans (retro plans)
  • Self-insured plans
  • Risk-retention groups
  • Captives
  • Experience modification reviews
  • Worksite safety programs

Other Coverages and Options

Distribution Insurance Other Coverages

Be sure all your exposures are covered.  These optional protections round out a thorough distribution insurance package.

  • Ocean Marine: Protect your property while being transported by ocean freight.
  • Transportation:  Protect your property while transported by ground, air, or train.
  • Business Income, valued on an actual loss sustained basis
  • Product Recall Expense: Expenses to perform a product recall, including the cost to replace the product, the customer’s consequential loss of profit, and reputation rebuilding expenses such as good-faith advertising.
  • Cyber Liability / Data Breach: If your business stores personal information on employees, suppliers, vendors, or clients, whether electronically or on paper, we highly recommend this coverage.  Media liability for advertising and your website can also be addressed under this coverage.
  • Flood and earthquake protection for your property
  • Identity theft
  • Key employee
  • Management liability packages
    • Directors and Officers Liability
    • Employment Practices Liability Insurance
    • Employee Benefits Liability

Services for Warehouses, Distributors, and Wholesalers

Our service doesn’t stop with an insurance policy. Give your business an edge by taking advantage of all the value-added services available to you. We stock our shelves full of business tools and resources to help you manage your organization effectively, safely, and with excellence.  These services are offered to our warehouse insurance clients by Bankers Insurance and/or the insurance carrier, so availability may vary:

  • OSHA 30-hour training
  • Documented safety manuals and procedures
  • Thermographic infrared surveys
  • Complete risk surveys and reviews
  • Building Valuation
  • Employee background screening
  • Best practices assessment / gap analysis
  • Driver safety programs
  • Driver screening and training programs
  • Driver monitoring programs
  • Emergency evacuation training
  • Employee manuals tailored to your non-profit’s needs
  • Contractual liability consultation
  • Workers compensation experience modification analysis
  • Workers compensation cost containment strategies
  • Exposure reduction consultations and premises liability reviews
  • Regulatory guidance
  • Sprinkler system evaluations
  • Supervisor accountability programs

Further Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We don’t expect clients to be warehouse insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of:

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