Business Insurance for Wholesaler-Distributors
Delivering our best so you can deliver yours
Protect Your Investment
As a wholesaler or distributor, you offer your customers the value of a broad array of goods from a variety of suppliers. Have you considered what would happen if you couldn’t deliver the goods? What if:
• Right before your peak season, with your warehouse stocked to capacity, a fire destroys your entire inventory. Do you have enough property coverage for the increased inventory values?
• A common carrier you’ve hired to deliver your merchandise flips and bursts into flames. Would you be covered for your loss of goods?
At Advance Insurance, we are focused on working to offer wholesalerdistributors comprehensive insurance coverages tailored to your size and scope – whether a small local supply business or a large multi-state distributor – so you can concentrate on meeting the needs of your customers.
Planned For Your Needs
Advance Insurance offers small business insurance policies that have core business coverage that is top of the line. Here are a few examples of the protection we can offer:
• Computers and Media
Provides coverage for your computers, peripheral devices and media. Coverage is also provided to help pay for the costs to research, replace or repair lost or damaged data and software as a result of covered damage to computer equipment, certain power failures, or a computer virus.
• Contract Penalty
Helps cover up to $10,000 in contract penalty charges you incur when you cannot provide contracted services in the time required as a result of a covered cause of loss at your business.
• Employee Dishonesty
Helps cover your business for loss of money or your property resulting from dishonest acts committed by your employees.
• Business Income from Dependent Property
This coverage helps provide increased protection under the Business Income Dependant Properties section of our policy. In addition, this coverage extension applies to unscheduled dependant properties.
• Seasonal Increase
Provides an automatic increase to your insurance limit up to 35% for business content to cover seasonal variations in your inventory or supply.
In addition, you have the option to buy these important coverages:
• Internet and Computer Related Coverages*
Helps safeguard your business against loss of income or extra expense due to:
1) Web site and internet service interruption;
2) denial of service attack, designed to overload your computer and deny access to legitimate business traffic;
3) Web site vandalism; and
4) good faith advertising in the event of a covered loss.
• Hired Auto & Non-Owned Auto
Helps provide coverage for damages you are legally obligated to pay due to bodily injury or property damage that occurs during the use of hired or non-owned vehicles used in your business.
Other Important Coverages from Advance Insurance
• Commercial Auto Coverage
Our policy helps protect you against financial loss resulting from accidents involving the vehicles you
use in your business. Advance Insurance offers valuable enhancements, such as excess coverage for hired autos, and the extension of liability coverage to vehicles leased in the name of an employee on your behalf and at your direction.
• Umbrella Coverage
Provides up to $10 million of additional liability protection.
• Workers' Compensation
Our state-of-the-art managed care and Return-to-Work program will help you get your employees back on the job as soon as possible.
That’s Not All
To all of this, we’ve added the convenience of flexible premium payment plans, an electronic funds transfer plan, and 24-hour, toll-free claims reporting. All business insurance is not the same. At Advance Insurance, we act on emerging insurance needs and provide convenient, cost-effective and quality coverage for your business.
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