Distributor Insurance — Coverage, Cost & Requirements
Wholesale distributors moving goods between manufacturers and retailers need product liability for defective merchandise, commercial auto for delivery fleets, and inland marine for goods in transit.
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What Coverage Does Distributor Insurance Include?
Most distributor businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Inland Marine
Covers tools, equipment, and goods in transit or at off-site job locations.
Commercial Property
Commercial Property coverage tailored for distributor businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
How Much Does Distributor Insurance Cost?
The cost of distributor insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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