Wholesale & Distribution Insurance — Coverage, Cost & Requirements
Inland marine, product liability, and commercial auto for wholesale distributors.
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What Coverage Does Wholesale & Distribution Insurance Include?
Most wholesale & distribution businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Inland Marine
Covers tools, equipment, and goods in transit or at off-site job locations.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
How Much Does Wholesale & Distribution Insurance Cost?
The cost of wholesale & distribution insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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