Why choose EMC for wholesalers insurance?

Our comprehensive coverage spans various industries, from apparel and construction equipment to food and beverage and office equipment. We work hand-in-hand with brokers to understand your real-world needs and offer the right insurance options to protect your operation. Which means personalized local service, excellent claims experiences, and industry-leading safety resources for you.

A woman grabbing boxes off a conveyor belt in a warehouse

What type of wholesale
distribution coverages do I need?

We offer a variety of wholesaler insurance coverages, including:

Commercial Property Icon
Essential property coverage

This insurance coverage protects your buildings, tools, and equipment against physical damage, including fire, theft, and natural disasters.

Commercial Auto Icon
Commercial auto insurance

This protects company-owned and personal vehicles used to transport products, equipment, and personnel. It protects vehicles against potential accidents, damages, and liabilities that may arise during business-related activities.

Liability Insurance Icon
General liability insurance

This protects your business from liability risks, including premises and operations, independent contractors, product liability, and completed operations (i.e., if an employee accidently damages a customer’s equipment, this insurance helps cover the costs of replacement).

Errors and Omissions Icon
Distributors delivery errors and omissions (E&O) insurance

This coverage provides financial protection in case of an error, mistake, or delivery mishap (i.e., if a breakdown delays delivery, leading to revenue loss for your customer, this provides compensation).

Commercial Umbrella Icon
Umbrella coverage

This provides an extra layer of protection by offering additional security in the event of a catastrophic liability claim that would otherwise exceed your coverage limits.

Workers Compensation Icon
Workers’ compensation insurance

This coverage covers medical bills and compensation for workers injured on the job (available in most states).

Safety and loss control
resources for wholesale distributors

We do more than provide policies and process claims—we’re here to protect you, your employees, and your business. Our safety experts can help you proactively reduce your risk exposure through loss control strategies and safety services that add value to your policy—without tacking on extra costs to your premiums.

Ergonomics Icon
Ergonomic evaluations*

Our experts will help you address ergonomic concerns to enhance employee comfort and productivity while minimizing the risk of work-related injuries.

Slip Fall Icon
Slip and fall prevention

Protect your workforce and maintain productivity with our proactive approach to reducing slip and fall incidents, which will ultimately lower the risk of injuries and related expenses.

Liability Insurance Icon
Hazard control assessments

We’ll pinpoint the most critical safety hazards in your operations and offer practical solutions to minimize or eliminate them.

Injury Management Icon
Injury management programs*

Minimize the impact of workplace injuries with comprehensive programs designed to get employees back to work quickly and safely.

Wholesalers Icon
Facility planning and material handling

Optimize your warehouse facility layout to enhance safety, efficiency, and workflow, ultimately improving overall operations and minimizing risks.

*These services are available to policyholders with EMC workers’ compensation insurance after ergonomic evals.

Frequently asked questions

The cost of business insurance for distributors can vary depending on the size of your business and the type of work you do. We can customize your wholesalers insurance policy to work for you.  Contact a local independent agent and ask about EMC’s insurance for wholesale distributors.

Product liability insurance for distributors is crucial, especially during product recalls. Since product liability laws vary by state, wholesale distributors may require product liability insurance based on their operations.

If you provide services like private labeling or product demos, you might face higher product liability risks. Talk to your insurance broker to make sure you're adequately covered.