Wholesaler & Distributor Insurance2020-12-18T22:33:26-05:00

Are you confident your Wholesale or Distribution company is getting first-class risk management protection?

Running a wholesale or distribution business can be challenging for a variety of reasons. From a supply-chain disruption caused by delayed inventory to overdue accounts payable or other people’s property getting damaged in your warehouse or in transit, any number of things can go wrong on a given day. You need a comprehensive insurance program that will protect your business from the unexpected as well as a broker who does not stop serving you once your policy is written. When you choose Fred C. Church, you are hiring risk management professionals who can regularly take stock of your operation, identify your specific risks, and design a customized plan that helps you mitigate and transfer those risks.


The increase in vehicle injuries between 2011 and 2018*

Areas Of Focus

Serving the insurance needs of wholesale and distribution companies across the U.S.

Whether you’ve been in business for generations, or you’re just starting your wholesale or distribution company, the risks are virtually the same. You have trucks that are continually on the road, workers undertaking strenuous activities such as loading your goods, and OSHA rules and regulations that you need to comply with. If just one claim surfaces, whether resulting from a vehicle crash, an on-the-job injury, or negligence or poor judgment by an employee, the impact to your company’s operations and finances could be severe. Aligning yourself with a risk resource like Fred C. Church, who can help you identify, assess, and mitigate these risks, is critical to the long-term success of your operation.

We deliver customized risk management programs and services to a wide variety of wholesalers and distributors, including:

  • Plastics
  • Chemicals
  • Concrete & Granite
  • Metal Fabricating
  • Lumber
  • Fabric
  • Electronics
  • Refrigeration
  • Furniture
  • Tooling & Die
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Why partner with Fred C. Church Insurance as your risk resource?

One of the many benefits of being a privately held, employee-owned brokerage is our ability to represent numerous highly rated insurance carriers, many of whom are the best in the industry. These appointments allow us to provide companies of varying size, exposure, and specialty with comprehensive insurance solutions, including Commercial Property, Commercial Auto, Cyber Liability, Equipment Breakdown, Property In Transit, Product Liability, and more.

An overview of workers at a warehouse. There are three workers looking at the shelves and checking their clipboards

Because your wholesale or distribution operation needs more than just a business insurance program.

From your front office team to the men and women who operate your heavy machinery and the delivery drivers who transport your goods from point A to point B, as a wholesaler or distributor you employ a diverse group of people undertaking a wide variety of roles and responsibilities. When you hire Fred C. Church to be your risk resource, we will take our time to fully understand your internal operations. Then, we can offer detailed guidance using ongoing risk mitigation assessments to help protect you, your employees, and the financial well-being of your business.

With Fred C. Church as your broker, you gain access to many tools and services to help you manage your risk, which may include:

  • Risk Management Consultants
  • Claims Specialists
  • Online Training Programs
  • Training Materials
  • Certificates of Insurance

  • 24/7 Risk Management Center
  • Incident Tracking – OSHA 300 Log
  • Safety Data Sheet Management
  • Auto/Fleet Safety Risk Assessments
  • Risk Management Roundtables
  • Tabletop Exercises
  • White Papers

Our Three-Step Risk Management Process

Working hand-in-hand with you to regularly monitor your company’s potential losses.


We start by mapping out your potential operational and financial risks; how likely each is to happen and how frequently; and what impact they may have on your organization and finances. Then, working together, we take a proactive and strategic approach to help you determine which risks require your attention first.


Our goal is to understand how you currently deal with your identified risks and if this aligns with our knowledge of best practices for your specific industry. We also review your current insurance policies, and their limits and exclusions, to discover possible gaps or redundancies that may warrant changes to your plan.


Our team puts together a risk management program to address the risks you knew about, but that may not have been adequately covered, and those that we identified for you through this process. We then offer a variety of insurance solutions that will allow you to make decisions that align with your appetite for risk.

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