Wholesalers typically need a suite of coverages to protect both physical assets and operational risks:
- General Liability – covers claims of bodily injury or property damage caused by your operations or products
- Commercial Property – protects your warehouse, inventory, fixtures, and business equipment
- Business Income / Interruption – covers loss of revenue if operations are halted due to a covered peril
- Product Liability – protects against claims arising from defects or harm caused by distributed products
- Cyber Liability – needed if you handle customer data, online orders, or investment in digital systems
- Workers’ Compensation Insurance – Required in most states; covers employee injuries from repetitive tasks, lifting heavy items, or workplace slips.
