Wholesaler Insurance for California Distributors.

Your products liability covers your liability for all products you distribute, regardless of manufacturer. You can also be added as additional insured on manufacturer policies via vendor's endorsements (which helps but doesn't fully substitute). For distributors carrying many product lines, your own policy is the primary protection because the manufacturer landscape changes constantly.

Coverage for goods in transit (between supplier and warehouse, warehouse to customer), goods at off-site storage, exhibition inventory, demo equipment at customer sites. Standard property covers fixed locations only. For distributors with significant movement of inventory, inland marine is meaningful coverage often missed in basic packages.

Distribution uses class codes like 8018 (wholesale), 8047 (drugs/sundries), 8033 (food wholesale), 7390 (truck owner-operators). Material handling, forklift operation, and lifting create real injury exposure — claim severity is meaningful. Accurate class coding and effective return-to-work programs are the main cost drivers.

Coverage extends to imported products you distribute, but with specific considerations: foreign manufacturer recourse may be limited (subrogation rights against insolvent or foreign manufacturers), and some carriers exclude products from certain countries. We review the products schedule and confirm international exposure is addressed.

Each vehicle goes on commercial auto with appropriate use designations. Delivery trucks, sales vehicles, executive cars all have different rate factors. Fleet rating applies when you have 5+ vehicles, providing rate discounts. We also add hired and non-owned auto for employees driving personal vehicles for work.

Symbol 1 covers 'any auto' — broadest protection. Symbol 7 covers only specifically described vehicles. For distributors with fleet changes (adding/removing trucks), symbol 1 prevents accidental coverage gaps. Standard for fleet operations.

Inland marine often covers your owned goods in transit. Cargo insurance specifically covers third-party freight you're hauling (for distributors who also operate as common carriers). Pure distribution generally needs inland marine; distributors with significant freight-hauling sidelines also need cargo. We structure based on actual operations.

Distributors run EDI systems, ERP platforms, customer portals — all cyber exposures. A successful ransomware attack can shut down distribution for weeks. Customer data and supplier credentials create breach exposure. Cyber coverage handles incident response, business interruption from cyber events, and customer notification.