Wholesale/Distribution Insurance

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 CoveragesBasic Package LimitsEnhanced Package Limits
Business IncomeActual loss sustained – 18 monthsActual loss sustained – 18 months
Seasonal Automatic IncreaseIncludedIncluded
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 LabelsUsually enhanced only$25,000
Building OrdinanceN/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 Authority3 weeks, or when BI ends, whichever is longer3 weeks, or when BI ends, whichever is longer
Crime Reward$5,000$5,000
Debris Removal25% covered loss / $10,000 add’l above Prop/BPP limits25% covered loss / $10,000 add’l above Prop/BPP limits
Extra ExpenseActual loss Sustained – 12 monthsActual 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 Boundary100 feet1,000 feet
Preservation of Property30 days60 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
CrimeCoveragesBasic Package LimitsEnhanced 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

Other Insurance Packages

Life Insurance

Home Insurance

Business Insurance