Insurance for Your Wholesale Operation

Property Insurance Advantages

• Building, business property, property of others and continuing business expenses
• Business income from dependent properties
• Commercial inland marine, including property in transit, and computers and media
• Consequential loss to stock and selling price valuation
• Property off premises
• Personal property seasonal limits increase
• Refrigerated property – on premises and in transit
• Equipment breakdown
• Service interruption
• Spoilage
• Utility services – direct damage and time element

General Liability Insurance Advantages

• Bodily injury, property damage, personal injury and advertising injury
• Broad form vendors
• Damage to premises rented to the wholesaler
• Expenses to conduct a product recall with additional covered expenses, including the cost to replace the product recalled, the customer’s consequential loss of profits and good faith advertising expenses
• Blanket additional insured

Commercial Automobile Insurance Advantages

• Rental reimbursement
• Employees as insureds for non-owned, hired or borrowed autos
• Hired car physical damage coverage
• Lease gap (where available)

• Business income – actual loss sustained
• Commercial umbrella liability
• Cyber liability
• Employers Protection Program (EPP)
• Management liability
• Product recall
• Workers compensation

Selective can help you prevent claims before they occur with our extensive Safety Management services:

• 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.

Please contact your Selective agent for more information about our products and services for Wholesalers.