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TypeOfBusiness

Types of Businesses We Insure
Wholesalers

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Types of Wholesalers We Insure:

  • Durable and Non-durable goods distribution operations
  • Distributors of various of retail type products seen in the various retail operations we write
  • Commercial and Industrial Machinery Distributors
  • Commercial and Industrial Parts and Supplies

Your Job Is To Keep The Merchandise Moving

So the last thing you want slowing you down is concerns about whether you have the right insurance. That’s why you should turn to the experts at Selective.

We understand that your products can be at your location or on a truck…that inventory values change seasonally…and that you need flexible limits and reasonable rates. Selective’s industry experts created an insurance program that can provide protection specifically tailored to your needs. We also have Safety Management Specialists who are experts in materials handling, fleet safety and driver training.

So ask your agent about how Selective can keep your business moving in the right direction.

As the list below shows, Selective’s program for wholesalers offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.

    Property
    Coverage for building, business property, property of others, continuing business expense, and:
  • Commercial Output Program (COP)
  • Brands and labels (salvage)
  • Business income for:
    1. Dependent properties
    2. Transit
    3. Vehicle physical damage
  • Commercial inland marine:
    1. Property in transit
    2. Computers and media
  • Consequential loss to stock and selling price valuation
  • Contractual failure to deliver the manufacturer’s product
  • Property off premises and property of others
  • Personal property seasonal limits increase
  • Refrigerated property - on premises and in transit
  • Systems PowerPac coverage for:
    1. Equipment breakdown
    2. Service interruption
    3. Spoilage
  • Utility services - direct damage and time element
    General Liability
    Liability coverage for bodily injury, property damage, personal injury and advertiser’s injury, and:
  • Broad form vendors
  • Damage to premises rented to the wholesalers
  • Product recall expense
  • Blanket additional insured
    Commercial Automobile
    Liability coverage for bodily injury, property damage and state mandated coverages, and physical damage coverage on the wholesaler’s vehicles, and:
  • Additional transportation expense (limited rental reimbursement)
  • Employees non-ownership
  • Hired car physical damage coverage
  • Lease/loan gap coverage
  •  

    Commercial Umbrella Insurance
  • Limits of up to $15 million

To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:

  • Business income - actual loss sustained available for 12, 18 or 24 months
  • Commercial umbrella liability
  • Employers Protection Program (EPP)
  • Product Recall coverage – optional limits up to $1M
  • Workers Compensation

When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.

  • Best practices assessment/gap analysis
  • Contractual liability consultation
  • Customized workers compensation cost containment
  • Driver and fleet safety programs
  • Exposure reduction consultations
  • OSHA 30-hour training
  • Premises liability reviews
  • Regulatory guidance
  • Safety assessment and benchmarking tools
  • Sprinkler system evaluation and analysis
  • Supervisor accountability programs
  • Thermographic infrared surveys

 

For more information about Selective's Safety Management services, click here.

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