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Get wholesale and warehouse insurance coverage that’s tailored for you by BrokerLink.
The wholesale and warehousing business can be found in a wide range of industries and comes with a specific set of risks and challenges. While you may work hard to keep your business in order, the unexpected may still occur. From workplace injuries to stolen or damaged goods, having the right insurance coverage in place can protect your business. BrokerLink has expert brokers across the country who will take the time to understand your business and help find the right insurance policy for you.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Insurance for the wholesale and warehousing industry includes coverage designed to protect businesses involved in the storage, handling, and distribution of goods. It can include general liability, property coverage, product liability, and more. The type of coverage varies depending on the business’s operations and risks involved.
Wholesale and warehousing insurance can be tailored to include:
Your specific coverage will depend on your province's regulations and any additional coverage options you choose to include in your policy.
Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.
Wholesale and warehouse insurance is essential for any business involved in the storage, handling, and distribution of goods including:
Businesses in this industry face numerous risks:
Damages to property (goods, buildings, equipment).
Injuries to employees or third parties, damages caused by products.
Events like fires or floods that disrupt operations. Insurance helps businesses manage financial loss from these and other unforeseen events.
There are different risks involved when it comes to wholesale and warehousing, so various insurance options are available. Your insurance broker will help you understand your business needs and find the right coverage for you. Insurance policies in this sector can include:
General liability insurance
Property insurance
Product liability insurance
Warehouse legal liability
Business interruption insurance
Commercial vehicle insurance
Environmental liability insurance
Cargo insurance
Crime coverage
Employers’ liability insurance
Umbrella insurance
Cyber liability insurance
Equipment breakdown insurance
Covers third-party bodily injury, property damage, and personal injury claims. It protects your business if someone gets hurt or their property is damaged because of your operations. This insurance often includes legal fees if the claim leads to a lawsuit.
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.
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The cost of insurance can depend on several factors, including:
Larger operations may have more assets and greater risk exposure, raising premiums.
If your warehouse is in a high-risk area (flood zones, regions with higher crime rates), it may increase premiums.
The risk associated with the type of inventory (e.g., hazardous materials or high-value goods) can affect coverage and cost.
A history of frequent claims can drive up the cost of premiums.
The broader the coverage, the higher the premiums, especially for higher limits or additional coverage options like business interruption.
The exact cost of your insurance will vary based on many factors. Your BrokerLink insurance advisor will take the time to get to know you and understand your business, finding a policy that gives you the coverage you need at a price that’s fair.
Many insurance providers offer risk assessments and safety audits that can help you reduce premiums by improving workplace safety and reducing risks.
Ensure compliance with provincial and federal regulations, as insurance requirements might differ depending on the type of goods handled or shipped (e.g., regulated hazardous goods).
Need help with business insurance? Our brokers can find the best discounts and plans for you. We'll offer personalized quotes and explore the best options.
With our expertise, you can focus on what you do best — running your business — while we handle all of your insurance needs. Let us take the stress out of finding the perfect coverage for you.
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