Who we insure
Warehousing, distribution, and wholesaling get lumped together constantly — and they insure nothing alike. What separates them is whose goods are at risk, and whether those goods are sitting still or moving.
A warehouse holds other companies’ freight — a bailee, answering for goods that are not its own. A distributor runs its own product to market — an operations business, defined by routes and a fleet. A wholesaler buys, holds, and resells its own inventory — a trade business, defined by what it owns and by the products-liability chain it sits in. Same building, sometimes the same street. Three different insurance programs.
Insurance for the BAILEE services operation — public, 3PL, contract, bonded, cold-storage, food-grade, and fulfillment warehouses that store and ship other companies’ goods. The care-custody-and-control operating model, where the customers’ goods in your building and the facility itself drive the risk profile.
Insurance for the ROUTE-TO-MARKET operation — direct-store-delivery, route delivery, own-brand distribution, and the fleets that carry product to the customer. The product-on-the-move operating model, where the fleet and the owned product in transit drive the risk profile — distinct from the buy-sell inventory concentration of a pure wholesaler.
Insurance for the BUY-SELL INVENTORY operation — merchant wholesalers, importers, and B2B sellers who buy, hold, and resell their own product. The owned-inventory-and-trade operating model, where inventory concentration, products liability in the chain of distribution, and the import/ocean exposure of the first U.S. seller drive the risk profile.
Many businesses are more than one of these at once — a distributor that also warehouses for other brands, a wholesaler running its own delivery fleet. If that is you, we place each side on its own terms and map the seam between them. Say so on the quote form, or find your state on the states we serve page.
Quotes in 1–2 hours during business hours.