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Comprehensive Wholesaler Business Insurance in Ohio

Protecting Wholesalers & Distributors in Ohio with Parson Insurance Agency
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Parson Insurance Agency/ wholesaler business insurance

Wholesaler Business Insurance Offered by Parson Insurance Agency

Operating in the wholesaler and distributor industry involves navigating various intricate risks. Did you know that auto accidents are the primary cause of workplace injuries and fatalities in the U.S., with each claim averaging $65,875 in indemnity costs? The indirect costs associated with an employee accident can be even higher, ranging from four to ten times the direct expenses.

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Commercial Auto
Business interruption
General liability
Workers’ Compensation
Crime insurance

Commercial auto coverage

Risk Factors

If you own or lease a vehicle that is used for business purposes, you may not get compensation in case you meet an accident while using it for office chores.

Solution

If you own or lease a vehicle used for business purposes, then commercial vehicle insurance is an essential requirement for your business.

Business interruption coverage

Risk Factors

If your business is forced to undergo a work stoppage due to fire, you may not be able to work while the office is being repaired.

Solution

Business income covers losses that occur when work is interrupted, or your office is closed temporarily due to a covered loss at your business.

General liability Coverage

Risk Factors

Suppose a customer gets hurt at your warehouse or an employee causes damage to a customer’s property while making a delivery. In that case, this insurance can help your business deal with these claims.

Solution

It helps protect you if someone sues your business for causing bodily injury or property damage. It can also help cover specific claims of slander and libel.

Workers’ compensation coverage

Risk Factors

Workers’ compensation insurance is required by law in most states. You may need to pay for their medical costs for work-related injuries or illnesses.

Solution

The benefits can help pay for medical treatment, replace some wages from lost work time, and more. If your employee’s family sues you, workers’ comp can also help pay for your legal fees.

Crime coverage

Risk Factors

Crime exposure involves several transactions and accounts that can be manipulated if duties are not separated.

Solution

If your business has crime insurance, you would no longer have to pay for legal expenses or any damages to your goods.

What is Wholesaler Business Insurance?

The wholesale and distribution sector faces significant challenges. Your inventory and warehouse are vulnerable to damage from fire, flooding, and severe storms. Thieves may target your inventory, causing damage in the process. Additionally, delays in supplier shipments and unpaid deliveries can affect your ability to manage payroll and cover expenses. Ensuring your wholesaler's current business insurance policy is crucial to protecting against these potential losses.

Who Benefits from Wholesaler Business Insurance?

Wholesaler Business Insurance is ideal for:

  • Beer and ale distributors
  • Electrical supplies distributors
  • Fresh fruit and vegetable distributors
  • Furniture distributors
  • Grocery distributors
  • Importers
  • Industrial supplies distributors
  • LP Gas distributors
  • And many more

What Coverages Are Included in Wholesaler Business Insurance?

Wholesaler and distributor insurance typically starts with a business owner’s policy (BOP), which combines commercial property, general liability, business income, and additional coverages into a single package. Coverage options include:

  • Commercial Property
  • General Liability
  • Business Income
  • Equipment Breakdown

Other essential business insurance policies you might need:

  • Commercial Auto
  • Workers' Compensation
  • Crime Insurance
  • Property in Transit
  • Product Liability
  • Umbrella Coverage

Talk to Parson Insurance Agency Today

At Parson Insurance Agency, we assess your needs and help determine the most suitable wholesaler and distributor business insurance coverages. Contact us today to learn how we can protect your business in Ohio.

Already have Wholesaler Business Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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