Wholesaler & Distributor Insurance

Wholesaler & Distributor Insurance2022-04-05T13:33:46-04:00

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

Why partner with Fred C. Church Insurance as your risk resource?

One of the many benefits of being an independent agent 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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Client Success Stories

Here is how our people have helped other people achieve their goals.

5 stars

I have been working with the Fred C. Church team for over twenty years and the reason I stay there is their commitment to customer service and the relationship that has developed over the years. I trust them to do the best for me personally and my company. I started with them providing our property and casualty insurance and it has progressed to my homeowners insurance and all of our health insurance and benefits.

Frank Granara, President & CEO at General Insulation

Fred C. Church was by far the most productive call I made when our school had a serious fire on campus. Knowing that I was going to be warmly and professionally counseled provided me great confidence as I placed that difficult call on a Saturday in August.

Ed Griffin, Chief Financial Officer at Pomfret School

Fred C. Church does more than say, “It’s the people.” They practice, “It’s the people.” From their unmatched and outstanding customer service and follow-up to their commitment to negotiating the best policies for the fairest price, the people at Fred C. Church exceed our expectations every day.

Linda Lyons, Director, Human Resources at Brockway-Smith Company

We turned to Fred C. Church because we wanted an insurance broker that understood our needs as an employee-owned company. Not only did we get that, but we also got a company that has helped us navigate some complex business issues that we have experienced as a government contractor. We have found the people of Fred C. Church to be a valuable partner in helping us run our business better.

Donald Reynolds, Vice President of Finance and Administration at Charles River Analytics

Fred C. Church is not just an insurance broker that you only see at renewal but a trusted partner that will work alongside us to help us align our insurance program with the organization’s strategic goals. I know when I need them that they will be there for me.

Dawn Barker, Vice President, Human Resources at RiverWoods

We’re committed to doing our very best for you.

We’re committed to doing our very best for you.