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Wholesale/Distribution Insurance

Typical Wholesale Distribution Coverage Summary
Typical Property Coverages Basic Package Limits Enhanced Package Limits
Business Income Actual loss sustained – 18 months Actual loss sustained – 18 months
Seasonal Automatic Increase Included Included
Accounts Receivable $5,000* on premises / $2,500 off premises $15,000* on premises / $2,500 off premises
Arson Conviction Reward $5,000 $5,000
Back-up of Sewers or Drains $1,000* $1,000*
Brands and Labels Usually enhanced only $25,000
Building Ordinance N/A ($5,000 Increased Cost of Construction included) Undamaged portion – included
Demolition – $50,000*
Increased Cost of Construction-$50,000*
Computer Coverage $15,000* $30,000*
Civil Authority 3 weeks, or when BI ends, whichever is longer 3 weeks, or when BI ends, whichever is longer
Crime Reward $5,000 $5,000
Debris Removal 25% covered loss / $10,000 add’l above Prop/BPP limits 25% covered loss / $10,000 add’l above Prop/BPP limits
Extra Expense Actual loss Sustained – 12 months Actual loss Sustained – 12 months
Fire Department Service Charge $2,000 $5,000
Fire Extinguisher Recharge $5,000 $15,000
Increased Cost of Construction $5,000* $50,000*
Master Key $1000 per occurrence $5,000 per occurrence
Newly Acquired or Constructed Locations – Buildings $500,000 $1,000,000
Newly Acquired or Constructed Locations – BPP $100,000 $500,000
Outdoor Property $500 per item / $2,500 max $500 per item / $2,500 max
Outdoor Signs $5,000* $10,000*
PersonalEffects $2,500 $2,500
Personal Property Off Premises $5,000 in transit
$15,000 at other locations
$15,000 fairs and exhibitions
$15,000 in transit
$50,000 at other locations
$25,000 fairs and exhibitions
Pollutant Clean-Up $10,000 $10,000
Premises Boundary 100 feet 1,000 feet
Preservation of Property 30 days 60 days
Product Recall Expense $10,000 $100,000
Valuable Papers and Records $5,000* on premises / $2,500 off premises $15,000* on premises / $2,500 off premises
CrimeCoverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $5,000* $20,000*
Money and Securities – Inside/Outside $10,000* $20,000*
Forgery and Alteration $2,500 $2,500
Money Orders & Counterfeit Paper Currency $1,000 $1,000
  * Higher limits available  
Liability Coverages
Limits
Premises/Operations and Products/Completed Operations
$500,000, $1M or $2M per Occurrence
Premises/Operation Aggregate:
2 x Liability and Medical Expense Occurrence Limit
Products/Completed Aggregate:
1 x Liability and Medical Expense Occurrence Limit
General Aggregate:
2 x Liability and Medical Expense Occurrence Limit
Personal Injury
Included
Advertising Injury
Included
Bail Bonds
$250
Tenants Liability
$100,000
Medical Expenses
$5,000 per person/$25,000 per occurrence
Reasonable Expense
$250/day
Employee Benefits Liability
$100,000* (Premier Only)
 
*Higher limits available

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