Wholesale & Distribution Insurance
Why choose insurance with Intasure?
At Intasure, we understand the needs of the wholesale & distribution industry, and for that reason, we have developed a specialist business combined Insurance policy that provides comprehensive cover to enable you to run your business with the peace of mind that you have adequate protection in force should something sudden & unforeseen occur.
We are a business insurance specialist with a proven track record in pioneering new products specifically tailored to meet the needs of a business such as yours. We can provide a plain English insurance policy wording underwritten and administered in the UK via helpful and knowledgeable staff.
Our business insurance policy is as flexible as you need it to be and for convenience and ease of understanding, we have divided it in to several sections with some worthwhile optional extras if required.
As well as a wide range of insurance perils, our policies include public, products and employers liability. If you are a distributor or wholesaler of products, we can assist with this Products Liability cover if your business activities are carried out within the UK.
Products liability will cover your business in respect of the actual “product” you supply or manufacture to your customers. One common misconception is that if you are only supplying the product, the manufacturer is responsible if the product causes damage or injury to whom it was supplied. This is not always the case. You will still need products liability cover if the manufacturer cannot be clearly identified from the product or if the manufacturer has ceased trading. Perhaps your company may have personalised the item with your company name or logo. Further, if your company has in some way changed, refurbished or made repairs to the product or if it comes from outside the EU you should maintain your own products liability insurance.
If you own the warehouse or unit in which your business is located, we can also offer Buildings cover. If you are a landlord owning a building that is rented out, such as a warehouse, factory or other commercial building and you just need to insure the fabric of the property and loss of rental income without the business risks, then our property insurance department will be able to offer a quote.
Obtaining an insurance quote for your distribution/wholesale business is quick and easy with our telephone call back facility. A helpful member of staff will be pleased to assist you. We are open hours to suit business owners who may find it inconvenient to call during day time hours.
What Risks do we cover?
Our Intasure business insurance policy provides a wide range of covers against all the usual perils a distribution business may possibly encounter. If you have a bank or other loan for your business, your lender may want to see that you have a suitable policy in force covering not only material risks such as damage to contents and stock.
We can offer cover for a full set of perils including accidental damage in respect of your Buildings, Contents, Stock, Electronic Equipment, Business Interruption, Rental Income, All Risks, Glass, Book Debts, Goods in Transit, Public Liability, Products Liability, Employers Liability, Deterioration of Stock, and Loss of License.
We can also offer a range of optional covers including, Subsidence, Ground Heave & Landslip, Theft by employee – Fidelity Cover, Specified and All Risks.
For details of the extent of our cover please refer to our Key facts & Policy Documents.