Commercial Property
Your warehouse and the high-value inventory inside it.
For the businesses between manufacturer and end user — holding inventory and moving goods every day.
Distributors sit between manufacturers and end users, holding large inventories and moving goods constantly. Their exposure centers on stored and in-transit product, premises and fleet liability, and product claims passed up the chain.
We structure distribution programs around inventory value, transit and off-site storage, and the product and fleet exposures that come with moving goods at volume.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Your warehouse and the high-value inventory inside it.
Goods in transit and at third-party locations.
Premises injuries and product claims passed up from what you distribute.
Your delivery vehicles and drivers.
Inventory shrinkage and employee dishonesty.
Income protection after a covered loss to your operation.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
Large seasonal swings can exceed your limit — schedule peak values so you're not underinsured.
Confirm inland marine extends to third-party warehouses and to goods while in transit.
Secure additional-insured status from the manufacturers whose products you distribute.
Warehouse shrinkage and high-value goods often need higher limits or scheduling.
Perishable or climate-sensitive goods need spoilage and breakdown coverage.
Large single-location concentrations — especially in catastrophe-prone regions — need a wind and flood review.
Commercial property and inventory, inland marine for goods in transit, general and product liability, commercial auto/fleet, crime, and business interruption.
Goods in transit and at third-party locations are typically covered by inland marine, not standard property — confirm the policy extends to both.
Reporting forms or peak-season endorsements adjust your limits to match inventory swings so you aren't underinsured during high-volume periods.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.