Wholesale businesses by their very nature have a special need for a variety of unique coverage because of the forms of risks that the business is exposed to. Often a cookie cutter policy is not complete enough to cover the needs of the business. Here you will find a brief outline of insurance products and coverage you will want to consider for your business. Then contact us at 607-843-8860 or insurance@drickardinsurance.com for more details on how we can custom tailor insurance plans for your individual business needs. A complete insurance package for your wholesale business would include most of, if not all of these wholesale insurance products:
- Building Coverage
- Replacement or Actual Cash Value Settlement Options - You decide what is best for you.
- Loss of Use
- Extra Expenses - Keeping your business going while at a temporary location.
- Demolition (When you must tear down undamaged structure after loss.)
- Increased Cost to Rebuild (Codes have changed.)
- And More
- Property Coverage
- Stock
- Fixtures
- Property Of Others Including Salesmen's Samples And Displays
- Property At Other Locations
- Property While Transported
- And More
- Liability Coverage
- General Liability
- Higher Limits
- Completed Products and Operations Liability
- Umbrella Liability Coverage - For when your base policy does not provide enough coverage.
- Personal Injury Liability
- Cyber Liability - When others are harmed in cyber crime. (Can be purchased seperately.)
- And More
- Crime Coverage
- Bonds
- Cyber Crime - When you are harmed in cyber crime. (Can be purchased seperately.)
- Theft
- Mysterious Disappearance
- And More
- Auto Coverage (This group may purchased separately from all of the others and, wow, our insurers have some great prices.)
- High Liability Limits
- Private Passenger Autos
- Trucks
- Fleets
- Replacement Autos
- Hired Autos
- Non-Owned Autos
- Roadside Assistance and Towing
- And More
- Employee Coverage (Each of these items may be purchase separately.)
- Workers Compensation
- New York State Disability / Paid Family Leave
- Employment Practices Liability
- Employee Benefits Liability
- Employee Benefits - Life, health, optical, dental, disability, and more.
- And More
For more details contact us at 607-843-8860 or insurance@drickardinsurance.com.