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Distributor Insurance 

Business insurance for distributors can help provide the support you need to keep your operations running smoothly when the unexpected happens. 

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Coverage at Westfield

What Is Distributor Insurance?

Distributor insurance isn’t a single policy — it’s a combination of coverages and endorsements designed to help protect your business from various risks. At Westfield, we start with essential coverages for distributors, such as general liability, property, crime, and inland marine. Then, we customize the policy by adding coverages tailored to your specific business needs. 

Popular Coverages

What Are the Best Types of Insurance for Distributors?

Managing products, equipment, and facilities brings unique risks to your business. Westfield can tailor a mix of policies and endorsements to cover everything from rejected shipments to spoilage, giving you the peace of mind you deserve. Explore the coverages* that distributors commonly rely on:

General Liability

Help your business recover from lawsuits and claims related to customer injuries, property damage, or product-related issues.

Commercial Property

Protect your distribution centers, warehouses, and any leased or owned facilities, including on-site equipment and certain belongings. 

Business Interruption

Manage expenses and keep the cash flowing if your distribution business must shut down unexpectedly due to a covered loss.

Commercial Auto

Keep your drivers protected on the road and safeguard your fleet of delivery vehicles, including trucks and vans.

Equipment Breakdown

Shield your business from costly repairs and downtime when equipment fails due to a mechanical or electrical issue.

Inland Marine

Protect your goods, equipment, and other essential assets while they’re in transit or stored at temporary locations. 

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost income of employees who are injured on the job.

Crime Insurance

Safeguard your business against theft of money and securities by employees or others, whether on- or off-site, under certain circumstances. 

Commercial Umbrella

Gain additional protection that goes beyond the limits of your standard business policy, covering larger risk exposures and liabilities.
SureStep® BOP

Distributor Insurance for Small Businesses 

Many small operations opt for a business owners policy (BOP) because they bundle multiple coverages into one convenient, affordable package. Westfield’s SureStep BOP combines property, business interruption, and general liability insurance with the option to add endorsements and coverages specific to the distribution industry. 
Explore our BOP
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Sectors We Serve

Who Needs Distributor Insurance?

Whether you’re a small clothing distributor or a large food distributor, insurance is crucial to your business’s financial stability. Westfield supports a wide range of businesses including:

  • Auto supplies and parts distributors
  • Clothing distributors
  • Electrical appliance and equipment distributors
  • Fruits, vegetables, and grocery distributors
  • Furniture distributors
  • Industrial machinery and equipment distributors 
  • Lumber, hardware, and construction supplies distributors 
  • Office equipment distributors  
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Risk Control Services

How Can Distributors Prevent Losses? 

With Westfield as your insurance provider, your policy is just the beginning. We believe the best way to manage a claim is to help prevent it from ever happening. That’s why we offer risk control resources specific to distributors, such as driver and fleet safety programs. 

Why Westfield

What Should You Consider When Purchasing Insurance?

When it comes to protecting your business, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Westfield agents tailor your policy to match the specific needs of your business and budget. 

Financial Strength 

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Our team of underwriters, risk control consultants, and claims specialists have industry-specific expertise.
Distributor Insurance Quotes

Find an Agent Near You

Whether you’re a small wholesaler or a large-scale distributor, our experienced agents can work with you to create a customized, affordable insurance policy that helps protect your inventory, equipment, facilities, employees, and vehicles. Contact an agent for a personalized quote today. 
Contact an Agent
Commercial Insurance for Distributors

Frequently Asked Questions

Yes, any business that distributes products should carry product liability insurance. As a distributor, you could be held liable when a product leads to a customer injury or property damage.

Product liability insurance is often included with a general liability insurance policy. 

We understand that business insurance is an important purchase. We recommend consulting with a licensed insurance agent to help ensure you get the protection you need. Our knowledgeable independent agents can help create a distributor insurance policy with coverages tailored to your business and industry. Contact an agent to get started. 

Business insurance for distributors does not have a single, set price. That’s because the cost depends on a variety of factors, such as:

  • Location(s)
  • Business size
  • Number of employees
  • Product types
  • Claims history

The best way to determine what your insurance premium will be is to get a quote from one of our agents

*Please review your actual policy language to see applicable coverages, limits, and exclusions.