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Wholesaler and Distributor Insurance
As a wholesaler or distributor, you offer your customers the value of a broad
array of goods from a variety of suppliers. Have you considered what would
happen if you couldn’t deliver the goods? What if:
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Right before your peak season, with your warehouse stocked to capacity, a fire
destroys your entire inventory. Do you have enough property coverage for the
increased inventory values?
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A common carrier you’ve hired to deliver your merchandise flips and bursts into
flames. Would you be covered for your loss of goods? AT Texans Insurance we are
focused on working with the National Association of Wholesaler-Distributors
(NAW) to offer wholesaler-distributors comprehensive insurance coverages
tailored to your size and scope – whether a small local supply business or a
large multi-state distributor – so you can concentrate on meeting the needs of
your customers.
Designed for Your Needs
Here are some examples of coverage that is available for you:
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Accounts Receivable. Protects you from the inability to collect outstanding
balances as a result of loss or damage to your account records from a covered
cause of loss.
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Business Income from Dependent Property. This coverage provides increased
protection under the Business Income Dependent Properties section of our
policy. In addition, this coverage extension applies to unscheduled dependent
properties.
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Computers and Media. Provides coverage for your computers, peripheral devices
and media. Coverage is also provided for the costs to research, replace or
repair lost or damaged data or software when it is caused by covered damage to
computer equipment, electrical or magnetic injury caused by certain power
failures, or a computer virus. Business Income Coverage, if purchased, also
applies to computer equipment, data and software.
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Employee Dishonesty. Covers your business for loss of money or property from
dishonest acts by your employees.
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Business Income and Extra Expense. Reimburses you for your actual loss of
business income for up to 12 consecutive months during the period of
restoration following a covered loss to your property. Extra expenses needed to
continue your operations, such as renting temporary office space, are also
covered.
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Hired Auto and Non-Owned Auto. Provides coverage for damages you are legally
obligated to pay due to bodily injury or property damage that occurs during the
use of hired or non-owned vehicles used in your business.
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Building and Business Personal Property. Your policy can contains coverage to
repair or replace your building and any equipment, stock, furniture or fixtures
that you own. There’s a lot of business property coverage that can be included
such as:
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Electronic Vandalism. Designed to provide protection against several exposures
connected with your computer equipment and your Web site, including: Malicious
alteration or destruction of media and data, or the introduction of a virus;
and The Denial of Service Attack (an electronic attack designed to overload
your computer or network system, denying e-mail or Web site access by
legitimate business traffic).
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Equipment Breakdown. Covers cost to repair or replace equipment, such as
computers, air conditioners, phone systems and steam boilers, from loss or
damage caused by mechanical breakdown or artificially generated electrical
current.
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Peak Season. Provides an automatic increase to your insurance limit of up to
25% for business content to cover seasonal variations in your supply inventory
or supplies.
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Business Liability. Your policy can provide your business with legal liability
protection against claims of injury or damage caused to others by you or your
employees. For example:
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Defense Costs. Pays legal expenses for certain liability claims brought against
your business regardless of who’s at fault.
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Premises and Operations Liability. Provides coverage for bodily injury and
property damage sustained by others at your premises or as a result of your
business’s operations.
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CyberFlex® Liability. Personal & Advertising Injury on the Internet. Covers
copyright infringement to your Internet advertising. Covers other types of
liability as well, such as defamation or copyright infringement that occurs in
others’ advertisements on your Web site.
Other Important Coverages Available
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Commercial Auto Coverage. Protects you against financial loss resulting from
accidents involving the vehicles you use in your business. Texans offers valuable
enhancements you won’t normally find in other commercial auto policies, such as
excess coverage for hired autos and the extension of liability coverage to
vehicles leased in the name of an employee on your behalf and at your
direction.
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Umbrella Coverage. Gives you up to $10 million of liability protection over and
above the limits of other specified liability policies, including automobile
liability, in your business program.
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Workers’ Compensation. Workers’ Compensation coverage is designed to meet your
business needs. You’ll have 24-hour, seven-days-a-week access to our claims
reporting facility. In addition, our state-of-the-art managed care and
Return-to-Work program will help you get your employees back on the job as soon
as possible.
That’s Not All
To all of this we’ve added the convenience of flexible premium payment plans,
an electronic funds transfer plan, and 24-hour, toll-free claims reporting. All
business insurance is not the same. Texans’s business partners have nearly 200
years of experience insuring American businesses. We know the coverages your
business needs, and have bundled them together for your convenience – and for
substantially less than they would cost separately.
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