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At Collings Insurance Brokers, we know how important it is to protect the business you’ve built.
As a Retailer or Wholesaler, your insurance is a key tool for managing risk and protecting your financial wellbeing. It helps cover financial losses that can arise from claims involving property damage, bodily injury or other third-party incidents. We take the time to understand the full scope of your operations, so we can tailor coverage to fit the evolving landscape of your industry.
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How Wholesale & Retail insurance can protect you.
Wholesale and Retail Insurance protects a business’ property, products, customers, and day-to-day continuity.
Wholesale and retail operations require different coverages. Retail businesses are public facing risks with more liability on individual claims, customer safety and smaller scale property coverages. Wholesale operations tend to have larger property values, product liability at scale and transport exposures.
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Coverage for what’s important to you
Wholesale and Retail Insurance offers protection in the event of:
Property Damage
Products Liability
Equipment Breakdown
Loss of Business Income
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Covers the cost of stock in the event it’s stolen, damaged or destroyed.
Covers damages and bodily injury from manufacturing defects, contamination, and improper labeling.
Covers lost income if your business is forced to shut down temporarily due to an insured event.
Frequently Asked Questions
Wholesalers and retailers often require a Commercial General Liability (CGL) policy for protection against third-party injuries and property damage, Commercial Property Insurance to safeguard inventory, stock, and equipment, and Business Interruption coverage to help cover lost income if operations are disrupted. Depending on the business, additional coverages such as Product Liability, Cyber Insurance, or Cargo/Transit coverage may also be important.
Even if you didn’t manufacture a product, you could still be held liable if something you sell causes injury or damage. Product liability coverage helps protect your business against lawsuits, legal costs, and settlements arising from defective or harmful products that pass through your supply chain.
Yes. Standard property insurance may not cover goods while they’re being shipped or transported. A Cargo or Transit Insurance policy ensures your inventory is protected from loss or damage while moving between suppliers, warehouses, and retail outlets.