Every business has exposures and risks that threaten its viability. Lyman & Sheets has more than a century of experience defining risk and recommending specific coverage that fits both your business and your budget.
Wholesale/Distributors
Including: Beverage Distributors • Dry Goods • Exporters/Importers • Food Wholesalers • Equipment Distributor
Wholesale and distribution operations have many of the same physical damage and property coverage concerns as warehouse operations. In both cases, the value of both real property and stocks of merchandise is very high. Loss control and other techniques appropriate to the types of merchandise involved are needed. For these reasons, adequate and appropriate property insurance coverage is important. The commercial automobile exposure can also be significant, based on the extensiveness of merchandise delivery. In addition, transportation or motor truck cargo insurance on the merchandise must be arranged. Employee theft is always an issue and can be a significant exposure, depending on the type of property involved. Finally, the types of merchandise and material handled makes workers’ compensation insurance another very important coverage.
Coverage Applicable: Liability, Property, Loss of Income, Equipment Breakdown, Contractor’s Equipment, Commercial Auto, Umbrella, Employment Practices Liability, Directors & Officers Coverage, Crime Coverage, Workers’ Compensation, Life & Health Coverage, Professional Liability, Surety Bonds, Environmental Coverage