Products offered by DRickard Insurance

DRickard Insurance

607-843-8860

insurance@drickardinsurance.com

New York State

DRickard Insurance
"Your Favorite Insurance People"

DRickard Insurance

Your Favorite Insurance People

607-843-8860 insurance@drickardinsurance.com

Wholesale Distributors Insurance

Coverage Options

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 607-843-8860 insurance@drickardinsurance.com