Wholesale and Distribution Insurance

Insurance that protects your business and keeps it moving when it matters most.

Get a quote +44 (0) 20 8349 5100

Keep your business moving with an insurance solution designed around you.

Businesses operating in the wholesale and distribution sector have their own set of unique risks and challenges. Any disruption in the day-to-day running of your operations can affect the continuity of your business, and ultimately could impact your customers’ experience of your company.

We take the time to understand your business and advise on the different insurances that you need. Having the right level of cover in place that is built around your individual requirements can help give you peace of mind that your livelihood is protected should anything go wrong. Accidents can happen when you least expect it, we can make sure that the impact to your business is minimised and resolved as quickly and efficiently as possible.

Standard Covers

  • Contents.

  • Stock.

  • Tenants improvements.

  • Business interruption.

  • Money.

  • Employers liability.

  • Public/products liability.

  • Goods in transit.

Optional Covers

  • Terrorism,

  • Marine.

  • Deterioration of stock.

  • Engineering breakdown and statutory inspections.

  • Management liability.

  • Cyber insurance.

  • Product recall.

  • Corporate travel.

  • Motor fleet.

  • Key person.

  • Private medical.

Wholesale and Distribution Insurance from Ashley Page

Our aim right from the start of our partnership is to act as your in-house insurance team, helping you to understand your policy conditions and provide proactive risk management advice and health and safety support to reduce the risk of accidents.

We will carry out an annual review to make sure that as your business evolves so does your insurance.

We will review:

  • General commercial covers - from property, contents, stock and money, to more specialist covers like marine cargo and product recall.
  • Liability insurances - securing the right level of employers liability, public liability and products liability insurance to protect you should an accident happen.
  • Business interruption - working with you making sure you are not underinsured, that the indemnity period selected is sufficient to cover your ongoing losses, such that your business is able to recover from a major loss, such as a fire or flood.
  • Claims history – analysing your claims to see patterns and provide risk management advice to help reduce these claims in the future.

In addition, we can offer enhanced policy wordings to cover risks like deterioration of stock, goods in transit, seasonal stock increases and risks associated with floating stock cover over multi sites or storage sites.

 

Ongoing Support: Help from Placement to Claims

Our focus on operating as your in-house broker means our work is not done once we place your insurance.  We will always be on hand to offer advice and support whenever you need it.

We will:

  • Offer a dedicated account manager, your first point of call for help with risk management and insurance.
  • Carry out regular reviews to make sure your insurance arrangements keep up with the changing needs of your business.
  • Help to minimise the impact of a loss - supporting your efforts to put in place disaster recovery plans, providing insurer toolkits and putting you in touch with specialist help if required.
  • Offering dedicated in-house claims support - we’ll always be in your corner, offering advice and support when you need it most and overseeing the process from start to finish.
Get a quote +44 (0) 20 8349 5100

Our Wholesale and Distribution Experience

We have more than 40 years’ experience working with businesses of all shapes and sizes from across the wholesale and distribution sector.

Our knowledge in this sector means we can provide specialist insurance solutions for this secotrs, including:

  • Food and drink wholesalers insurance.
  • Builders merchants insurance.
  • Distributors insurance.
  • Pharmaceutical suppliers insurance.
  • Jewelers insurance.
  • Flooring wholesalers insurance.
  • Bathroom wholesalers insurance.
  • Electrical wholesalers insurance.
  • Electrical distributor insurance.

Whatever the nature of your business, we can provide you with an individual insurance solution that protects your business, giving you peace of mind that your cover is managed by an experience trusted adviser and insurance broker.

Related FAQs

See all FAQs

Why do I need my Employer Reference Number (ERN) when I take out an insurance policy?

If you require employers liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to provide us with your ERN. Insurers need to give employers liability insurance policy details including, where appropriate, your ERN, to the Employers' Liability Tracing Office (ELTO) who will add the details to their electronic database. The database helps people who have suffered injury or disease at work in the UK to quickly and easily find the insurance company which was providing employers liability insurance at the time their injury or disease was sustained.

What is an engineering policy and do I require one?

There is a statutory requirement to perform periodic inspections on certain types of plant or equipment. An engineering policy will provide access to and cover the cost of professional inspection services, and can be extended to provide sudden and unforeseen damage cover including breakdown. If you own or operate equipment that requires regular inspection, you may need engineering cover. Examples of plant or equipment requiring regular inspection include: lifts, forklifts, power presses, exhaust ventilation plant, stored air or steam pressure, plant fitted with hydraulics, chains, wires or ropes.

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