Wholesale and Warehousing Industry Insurance

Covers damage to physical assets such as warehouses, inventory, and equipment. If a storm or fire damages your property, this insurance helps pay for repairs or replacements. It also covers losses from theft or vandalism.

Protects against claims arising from defective products sold or distributed. If a product you sell causes injury or damage, this insurance helps cover legal costs and settlements. It is essential for businesses that manufacture or sell goods.

Covers damage to goods in storage. This insurance is important if you are responsible for items while they are stored in your warehouse. It helps pay for losses if stored items are damaged by events like fire or water leaks.

Compensates for income loss due to events that disrupt normal operations, like fires or natural disasters. It helps cover ongoing expenses like rent and payroll while your business is closed. This insurance helps maintain cash flow during unexpected interruptions.

Covers damage or injury caused by vehicles used for business purposes. Whether it's a delivery truck or company car, this insurance helps pay for repairs and medical bills. It is crucial if your business relies on vehicles for daily operations.

Covers risks related to pollution or contamination of goods or the environment, which can be critical in warehousing operations. It helps manage costs related to cleaning up pollutants or environmental impacts. This insurance is crucial if your business handles potentially hazardous materials.

Covers goods in transit, which is important when the business handles transportation.

Covers theft of goods. It also covers employee dishonesty. Helps businesses recover losses from criminal acts. Essential for businesses that handle large amounts of money or valuable inventory. 

Required in most provinces for employees to cover workplace injuries. It provides wage replacement and medical benefits. Important for ensuring employee well-being and legal compliance.

Provides extra liability coverage beyond the limits of existing policies. It kicks in when other policy limits are reached. Offers added protection against major claims or lawsuits.

Protects against data breaches or cyber-attacks, which is important if the business has online operations or handles sensitive information. It covers costs like notifying affected customers and legal fees. Very important for maintaining customer trust and financial security. 

Covers the costs to repair or replace equipment required to run your business, e.g. refrigeration or HVAC systems. It can also cover associated business interruption costs and additional expenses incurred while keeping your business operational during the time it takes for the damaged equipment to be repaired or replaced.