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Selective Flood Agents

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Insurance for Your Wholesale Operation

Your job is to keep the merchandise moving. The last thing you want slowing you down is concerns about whether you have the right insurance. Selective understands 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. Our industry experts created insurance options that can provide protection specifically tailored to your needs, along with Safety Management services to help you avoid claims.

Types of Wholesalers We Insure

  • Durable and non-durable goods distribution operations
  • Distributors of various of retail products
  • Commercial and industrial machinery distributors
  • Commercial and industrial parts and supplies

Coverage Highlights

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)

For more information about Selective's coverages, click here.

Optional Coverages Tailored for Wholesalers

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

For more information about Selective's coverages, click here.

Safety Management Services

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.