Wholesale and Warehousing Industry Insurance

Get wholesale and warehouse insurance coverage that’s tailored for you by BrokerLink.

The wholesale and warehousing business can be found in a wide range of industries and comes with a specific set of risks and challenges. While you may work hard to keep your business in order, the unexpected may still occur. From workplace injuries to stolen or damaged goods, having the right insurance coverage in place can protect your business. BrokerLink has expert brokers across the country who will take the time to understand your business and help find the right insurance policy for you.

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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is wholesale and warehousing insurance?

Insurance for the wholesale and warehousing industry includes coverage designed to protect businesses involved in the storage, handling, and distribution of goods. It can include general liability, property coverage, product liability, and more. The type of coverage varies depending on the business’s operations and risks involved.

Wholesale and warehousing insurance can be tailored to include:

Protection for stored goods in the event of damage or loss
Coverage for employee injuries while working
Insurance for equipment and vehicles used in operations

Your specific coverage will depend on your province's regulations and any additional coverage options you choose to include in your policy.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

Wholesale and warehouse insurance is essential for any business involved in the storage, handling, and distribution of goods including:

Importers
Exporters
Wholesale distributors
Warehousing facilities
Transportation companies
Third-party logistics companies

Why do you need wholesale and warehousing insurance?

Businesses in this industry face numerous risks:

Physical risks

Damages to property (goods, buildings, equipment).

Liability risks

Injuries to employees or third parties, damages caused by products.

Business interruption

Events like fires or floods that disrupt operations. Insurance helps businesses manage financial loss from these and other unforeseen events.

Coverages

There are different risks involved when it comes to wholesale and warehousing, so various insurance options are available.

What does wholesale and warehousing insurance cover?

Your insurance broker will help you understand your business needs and find the right coverage for you. Insurance policies in this sector can include:

Recommended

Additional

Covers third-party bodily injury, property damage, and personal injury claims. It protects your business if someone gets hurt or their property is damaged because of your operations. This insurance often includes legal fees if the claim leads to a lawsuit.

Covers damage to physical assets such as warehouses, inventory, and equipment. If a storm or fire damages your property, this insurance helps pay for repairs or replacements. It also covers losses from theft or vandalism.

Protects against claims arising from defective products sold or distributed. If a product you sell causes injury or damage, this insurance helps cover legal costs and settlements. It is essential for businesses that manufacture or sell goods.

Covers damage to goods in storage. This insurance is important if you are responsible for items while they are stored in your warehouse. It helps pay for losses if stored items are damaged by events like fire or water leaks.

Compensates for income loss due to events that disrupt normal operations, like fires or natural disasters. It helps cover ongoing expenses like rent and payroll while your business is closed. This insurance helps maintain cash flow during unexpected interruptions.

Covers damage or injury caused by vehicles used for business purposes. Whether it's a delivery truck or company car, this insurance helps pay for repairs and medical bills. It is crucial if your business relies on vehicles for daily operations.

Covers risks related to pollution or contamination of goods or the environment, which can be critical in warehousing operations. It helps manage costs related to cleaning up pollutants or environmental impacts. This insurance is crucial if your business handles potentially hazardous materials.

Covers goods in transit, which is important when the business handles transportation.

Covers theft of goods. It also covers employee dishonesty. Helps businesses recover losses from criminal acts. Essential for businesses that handle large amounts of money or valuable inventory.

Required in most provinces for employees to cover workplace injuries. It provides wage replacement and medical benefits. Important for ensuring employee well-being and legal compliance.

Provides extra liability coverage beyond the limits of existing policies. It kicks in when other policy limits are reached. Offers added protection against major claims or lawsuits.

Protects against data breaches or cyber-attacks, which is important if the business has online operations or handles sensitive information. It covers costs like notifying affected customers and legal fees. Very important for maintaining customer trust and financial security.

Covers the costs to repair or replace equipment required to run your business, e.g. refrigeration or HVAC systems. It can also cover associated business interruption costs and additional expenses incurred while keeping your business operational during the time it takes for the damaged equipment to be repaired or replaced.

Covers goods in transit, which is important when the business handles transportation.

Covers theft of goods. It also covers employee dishonesty. Helps businesses recover losses from criminal acts. Essential for businesses that handle large amounts of money or valuable inventory.

Required in most provinces for employees to cover workplace injuries. It provides wage replacement and medical benefits. Important for ensuring employee well-being and legal compliance.

Provides extra liability coverage beyond the limits of existing policies. It kicks in when other policy limits are reached. Offers added protection against major claims or lawsuits.

Let us be your resource for all things business insurance

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Why choose BrokerLink for your commercial insurance needs?

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

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My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
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Our numbers speak for themselves

Factors that may impact the cost of wholesale and warehousing insurance

The cost of insurance can depend on several factors, including:

Business size

Larger operations may have more assets and greater risk exposure, raising premiums.

Location

If your warehouse is in a high-risk area (flood zones, regions with higher crime rates), it may increase premiums.

Type of goods stored

The risk associated with the type of inventory (e.g., hazardous materials or high-value goods) can affect coverage and cost.

Claims history

A history of frequent claims can drive up the cost of premiums.

Type and amount of coverage

The broader the coverage, the higher the premiums, especially for higher limits or additional coverage options like business interruption.

The exact cost of your insurance will vary based on many factors. Your BrokerLink insurance advisor will take the time to get to know you and understand your business, finding a policy that gives you the coverage you need at a price that’s fair.

Risk management

Many insurance providers offer risk assessments and safety audits that can help you reduce premiums by improving workplace safety and reducing risks.

Regulations

Ensure compliance with provincial and federal regulations, as insurance requirements might differ depending on the type of goods handled or shipped (e.g., regulated hazardous goods).

Contact us

Need help with business insurance? Our brokers can find the best discounts and plans for you. We'll offer personalized quotes and explore the best options.

With our expertise, you can focus on what you do best — running your business — while we handle all of your insurance needs. Let us take the stress out of finding the perfect coverage for you.

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Vehicle Insurance

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Other Insurance

Wholesale and Warehousing Industry Insurance

What is wholesale and warehousing insurance?

Who we help

Who needs wholesale and warehouse insurance?

Why do you need wholesale and warehousing insurance?

Physical risks

Liability risks

Business interruption

Coverages

What does wholesale and warehousing insurance cover?

General liability insurance

Property insurance

Product liability insurance

Warehouse legal liability

Business interruption insurance

Commercial vehicle insurance

Environmental liability insurance

Cargo insurance

Crime coverage

Employers’ liability insurance

Umbrella insurance

Cyber liability insurance

Equipment breakdown insurance

General liability insurance

Property insurance

Product liability insurance

Warehouse legal liability

Business interruption insurance

Commercial vehicle insurance

Environmental liability insurance

Cargo insurance

Crime coverage

Employers’ liability insurance

Umbrella insurance

Cyber liability insurance

Equipment breakdown insurance

Why choose BrokerLink for your commercial insurance needs?

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Factors that may impact the cost of wholesale and warehousing insurance