What Is Wholesale/Distribution Insurance?
Wholesale / Distribution Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
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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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