Wholesalers insurance

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Insurance for wholesalers

Get the insurance that's right for your business

Wholesalers insurance refers to a wide selection of different types of cover that a wholesaler might wish to include in their business insurance package.

With so many different types of insurance available, it is important to identify exactly which policies could provide protection against the risks your business is exposed to. There are a number of insurance policies that could be beneficial as part of a wholesaler’s insurance package, including:

  • Contents insurance:
    This policy can provide protection against damage, loss and theft of your business’s contents. Contents insurance could be a crucial form of cover for you as a wholesaler, as the policy can include protection for your stock. It’s likely that you will be in possession of large volumes of product or stock at any time, and if - for example - it was to suffer severe damage, this could jeopardise your business. Contents insurance can also provide protection for a number of other items, including tools and equipment, goods in transit and cash on premises.
  • Buildings insurance:
    If your business premises sustained severe damage – for instance from a flood or fire – this could have a detrimental effect on your business’s ability to operate normally. A buildings insurance policy could help to fund repair work, meaning your business can get back on its feet as soon as possible.
  • Employers' liability insurance:
    This policy is usually legally required for any business that employs staff. It can help to cover legal costs in the event that an employee makes a claim against your business for injury or damage suffered as a result of carrying out their working duties.
  • Public liability insurance:
    If a member of the public were to suffer injury as a result of your business's activities, they could make a legal claim against you. Public liability insurance could help to fund your legal defence or pay resulting compensation in this situation.
  • Business interruption insurance:
    This cover could be valuable to any business whose livelihood could be threatened by temporary closure. A business interruption policy could protect you against loss of earnings, should you be unable to trade for a time due to circumstances outside of your control. It could also help to pay overheads such as rent or utility bills until your normal business operations resume.

The types of cover that you choose to include in your wholesalers insurance policy will ultimately depend on your individual circumstances, which may be different to another wholesaler’s. For instance, if your business requires you to transport dangerous goods, it’s likely that you’ll take out more comprehensive goods in transit cover than a wholesaler transporting children’s toys – as you’ll be exposed to a higher level of risk.

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