Distributors Insurance

Protect Your Merchandise with Our Distributors Insurance

As a distributor, you may face several risks, including theft of inventories, accidents involving industry-specific equipment, and on-the-road exposures related to product delivery. All these could impact your business resulting in losses. That is why, at Bema Insurance, we partner with a wide range of carriers to offer comprehensive insurance to help distributors stay covered against crises and unexpected events.


Cover Your Inventory with All-in-One Coverage

Distributors move goods from one point to another, so they are likely susceptible to liability claims if their delivery vehicles cause third-party property damage and physical injury. Besides, they could face potential losses if a sewer or drain backup ruins their inventory or their goods get vandalized or stolen.

Bema Insurance offers customized distributors insurance policy with several valuable endorsements to cover your business against these risks.

Exclusive Distributors Insurance Solutions at Bema

We provide the following coverages under our distributors insurance through our parter carriers:


It protects your business against unfortunate mishaps involving visitors to your premises or damage/injury caused by your operations or employees. For example:

  • While delivering a shipment, a worker accidentally drops the package, damaging its contents
  • A customer slips on your wet surface and sustains bodily injuries
  • A competitor files a lawsuit against your business for trademark or patent infringement

The policy covers the medical bills of the injured and the repair/replacement of damaged goods. It will also cover legal expenses if an injured customer sues your business.


Auto insurance is essential to protect your inventories, drivers, and vehicles on and off the road. It covers your liability in the following scenarios:

  • Goods-in-transit accidents that cause injury to a third party or damage to their vehicles
  • Your delivery trucks collide with a lamppost, animal, or outdoor sign

The policy covers the treatment costs for the injured and damage to the external objects.


It covers employees’ injuries and illnesses at work and related expenses, including medical bills, lost wages, and ongoing care costs. It can also protect employers if they are sued by employees for workplace accidents.

Covered incidents include:

  • Accidents caused by lift truck rollovers while turning quickly or driving with unbalanced loads
  • Slips and falls while climbing into/out of a transport truck or trailer

Your building and contents inside it, including inventories, tools, trucks, and equipment, are essential for running your business smoothly. That is why having property coverage is imperative.

It covers your business against risks including:

  • A third party stealing merchandise when it is being transported
  • Mechanical failure of forklifts and trailers
  • Fire incidents or explosions caused by combustible products

It also covers damage or loss to business property caused by vandalism and natural disasters.


We Can Help You Distribute Goods with Peace of Mind

At Bema Insurance, we aim to provide best-in-class coverages at affordable rates for distributors across the U.S. Our insurance professionals will work with you to personalize your policy, depending on your exposures and coverage needs. Whether it is a liability lawsuit, financial loss, or business interruption, we can cover you while providing flexible support and assistance in your time of need.

Contact us today at heena@bemainsurance.com or call us at (678) 528-9576 to get started on your custom-tailored distributors insurance.