Wholesalers Insurance

What Is Wholesalers Insurance?

Business owners that run a wholesaling company require a comprehensive insurance policy that contains multiple elements to support their livelihood. There is an array of challenges that can lead to accidents on a daily basis, including (but not limited to): employees transporting goods around your warehouse, suppliers visiting your premises and customers using your products. Unfortunately, accidents do happen in any business and are often financially crippling so it is vital to have adequate cover in place, just in case.

We can get to know how your business operates and create a tailored package around what you need. The policies we provide are backed by leading UK insurers and are hand-picked by our team, providing complete peace of mind for everyone associated with your business.

"I have been with b&m insurance for 9 years I had a bad experience on a customers site Without b&m insurance assistance, I don't know what I would of done They handle every issue professional and help me win my case They removed a heavy load off my shoulders"

Core Wholesalers Insurance Cover

Buildings, Contents & Stock

Key fundamentals of your policy will protect the key aspects of your business. This includes the structural integrity of your building, the contents within your premises and the large quantity of stock you may have on site. Without deep pockets to recover from a fire, flood or extreme weather event, could your business survive such a disaster? If not, it's worthwhile insuring your property and products at the correct amounts to avoid being under insured. With adequate protection in place, you will avoid financial losses to repair your building and replace damaged contents or stock with minimal disruption.

Public & Employers Liability

The probability of a client or member of the public suffering an injury whilst visiting your premises is quite high. They could fall over objects left in a walkway or be hit by falling items that are stacked on shelves. An accident could result in a claim being made against your business for damages but if you have public liability cover, it can defend against such incidents. Similarly, your employees could be injured whilst moving objects around your warehouse resulting in a personal injury claim. As a legal requirement if you employ people, your insurance policy will need to include employers liability cover of £10 million which can cover any legal costs from these claims.

Products Liability Insurance

Supplying your clients with your products is an integral part of the supply chain that you fulfill. However adept your manufacturer is, items can develop defects and become faulty. Products liability cover shields your business against legal fees if, for example, someone suffers an injury or becomes ill following the use of a product you supplied. You may expect the manufacturer to be liable for these costs but claims can be directed towards your business so we would advise not to take any chances.

"Courteous, professional and efficient service from Liam. Liam found the cover I wanted and beat the renewal price from my previous insurer."

Business Interruption

In the worst case scenario after a catastrophic event, you may be forced to close your doors temporarily without being able to supply your products to your customers. This could lead to an unprecedented amount of lost income, even if it only halts proceedings for a day. Thankfully, business interruption cover can help if you suffer from a fire, flood, extreme weather event or severe criminal damage. Any loss of income during the period of downtime will be reinstated, taking the stress away from future unforeseen events that may lead to financial crisis.

Distribution Services

It's likely that you distribute your goods between different locations and own your own fleet of vehicles. If so, we can add goods in transit cover to your policy to protect your stock whilst it's on the move. We can also add additional insurance for your drivers, vans and trucks to safe guard them against breakdowns, motor accidents or criminal activity. You can rest assured that our policies are flexible, reliable and completely tailored to your unique requirements.

"I have used B&M Insurance for many years now for all my insurance needs, car, home, business, holiday etc and the service is always first class. Kevan and his staff are always friendly and helpful with any advice or quotes, and the speedy and professional manner is second to none. Highly recommended!!"

Obtain Comprehensive Cover

We can support your wholesaling business with a complete insurance policy which eliminates the risks for an affordable price. Our clients in Greater Manchester have benefited from our expertise for 30 years because we understand what matters to them. Our in-house team of brokers are not only professional but are always willing to help with any questions they are approached with. Simply get in touch with us for a quotation which includes the level of service you deserve.