Do I need special coverage if I import goods, package or handle products, or store items for others? 

Absolutely. Some added risks for wholesalers include: 

  • Product recall coverage in case goods must be pulled back 
  • Warehouse legal liability / bailee’s liability when holding client property or goods on consignment 
  • Errors & omissions / professional liability if your advice, quality checks, or performance cause financial loss 
  • Environmental / pollution coverage if storing or handling hazardous materials 
  • Customs or import-export related risk coverage 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.