Warehouse stock
Track peak values, storage locations and goods owned by others in your care.
Wholesale and Distribution
Wholesale Distribution Insurance.
Wholesale and distribution insurance should follow goods through storage, transport and delivery, with clear responsibility for stock and the businesses that depend on it.
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What we look at.
Goods in transit
Match cargo and transit terms to ownership, commodities, routes, carriers and contractual responsibility.
Products and dependencies
Review imported or private-label products and the operating effect of losing a warehouse or key supplier.
General Liability
Review bodily injury, property damage, products or completed operations, and required additional insured endorsements.
Product Liability
Injury or damage alleged to arise from a product. Check the insured products, territories and products-completed operations limit.
Commercial Property
Building, equipment and inventory values, catastrophe deductibles and coverage restrictions.
Commercial Auto
For business vehicle liability and, where selected, vehicle damage. Tools and cargo may need separate coverage.
Motor Truck Cargo
Legal liability for cargo under the selected form. Commodities, valuation, theft restrictions and handling conditions matter.
Workers Comp
Review payroll, classifications, work locations and employer's liability. Statutory requirements vary by state and circumstances.
Business Income
Review the insured income basis, continuing expenses, coverage trigger, waiting period and time or dollar limits.
Umbrella
Additional liability limits over scheduled underlying policies. Check exclusions, attachment and whether terms follow the primary coverage.
Questions & answers
Good questions to ask.
Does warehouse property insurance follow goods in transit?
Not necessarily. Review transit coverage, territorial limits and who bears the loss under the sales or shipping agreement. The right form depends on whether you own the goods or carry them for others.
Does a carrier's cargo policy fully protect our shipment?
Do not assume it does. Compare the carrier's responsibility and coverage with the shipment's value, commodity, route and contract. Review your own interest in the goods and any transit coverage you carry.
Why disclose imports and private-label products?
They help define the products and territories insurers are being asked to cover. Provide sourcing, end-use, quality-control and contract information, and review recall expenses separately from product liability.
What if our main supplier or warehouse cannot operate?
Map the lost revenue, alternative sourcing costs and recovery time. Then compare property and dependent property coverage, including the required cause of loss, scheduled locations, waiting periods and limits.
From our journal
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