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Harper is a commercial insurance brokerage that specializes in two things:
Getting better rates on complete packages for businesses of all sizes.
Covering the complex cases that make other brokers run away.
Industry-Specific Expertise
Our insurance professionals understand wholesale operations, including inventory management, warehousing procedures, transportation logistics, and supplier relationships specific to distribution businesses.
Comprehensive Risk Assessment
We evaluate your entire operation - from receiving and storage procedures to order fulfillment and delivery logistics - ensuring all potential exposures receive proper coverage protection.
Competitive Inventory Solutions
Harper works with carriers specializing in wholesale and distribution risks to secure coverage that fits your budget while providing adequate protection for your inventory values and operational exposures.
Supply Chain Claims Support
Our team understands that distribution claims require quick resolution to maintain customer relationships and supply chain continuity. We provide expert guidance throughout the claims process.
Wholesale and distribution businesses face unique challenges every day. From warehouse operations to product liability exposures, Harper Insurance understands the complex risks that wholesale distributors encounter while managing inventory, fulfilling orders, and maintaining supply chain relationships.
Our comprehensive wholesaler and distributor insurance policies are specifically designed for companies involved in wholesale trade, product distribution, and supply chain management. Whether you operate a single warehouse or manage multiple distribution centers, we provide tailored coverage solutions that protect your inventory, facilities, and business operations.
Comprehensive coverage for warehouses, distribution centers, office buildings, and inventory. Protects against fire, theft, vandalism, and natural disasters that could destroy valuable stock and disrupt operations.
Protects against third-party injury and property damage claims occurring at your facilities. Essential coverage for customer injuries, vendor accidents, and slip-and-fall incidents in warehouse environments.
Critical protection against claims that products you distribute caused injury or property damage. Covers legal defense and settlements even when you're not the manufacturer of the defective product.
Replaces lost income and covers ongoing expenses when covered property damage forces operational shutdowns, helping maintain cash flow during facility repairs or inventory replacement.
Mandatory coverage for employee injuries in warehouse and distribution environments. Covers medical expenses and lost wages for injuries from material handling, equipment operation, and repetitive tasks.
Essential coverage for delivery trucks, company vehicles, and distribution fleets. Includes liability protection, physical damage coverage, and cargo protection during transportation operations.
Specialized protection for goods in transit between suppliers, warehouses, and customers. Covers loss or damage during transportation, including theft, accident damage, and weather-related losses.
Protects against data breaches, system hacks, and network failures that could compromise inventory systems, customer data, or supply chain management software.
Food & Beverage Distribution
Specialized coverage for perishable goods distribution including temperature-controlled storage, product recall protection, and food safety compliance coverage.
Electronics & Technology Distribution
Comprehensive protection for high-value electronics distribution including theft coverage, product obsolescence protection, and technology errors and omissions coverage.
Automotive Parts Distribution
Coverage for auto parts wholesalers and distributors including product liability, recall coverage, and specialized inventory protection for automotive components.
Medical & Pharmaceutical Distribution
Enhanced protection for medical device and pharmaceutical distribution including regulatory compliance coverage and specialized product liability protection.
Industrial Equipment Distribution
Coverage for machinery and equipment distributors including installation liability, equipment breakdown coverage, and specialized commercial auto protection.
Consumer Goods Distribution
Protection for general merchandise distributors including seasonal inventory coverage, product recall protection, and customer contract liability coverage.
Inventory & Warehouse Risks
Fire, theft, water damage, and natural disasters that can destroy valuable inventory and disrupt supply chain operations, leading to significant financial losses.
Product Liability Exposures
Defective product claims, recall costs, and consumer injury lawsuits arising from products distributed through your supply chain, even when manufactured by others.
Transportation & Logistics Risks
Vehicle accidents, cargo theft, shipping delays, and transportation-related damage that can impact customer deliveries and inventory availability.
Workplace Safety Hazards
Employee injuries from material handling, forklift operation, loading dock accidents, and repetitive motion activities common in warehouse environments.
Supply Chain Disruptions
Supplier failures, transportation interruptions, and inventory shortages that can halt distribution operations and damage customer relationships.
Cyber Security Threats
System breaches, ransomware attacks, and data theft targeting inventory management systems, customer information, and financial data.
Protect your wholesale business with comprehensive coverage designed for your industry. Our experienced agents understand distribution risks and will work with you to build a protection plan that covers your specific operations, inventory, and exposures.
Key Benefits of Working with Harper:
Ready to protect your wholesale and distribution business? Contact Harper Insurance today for a comprehensive quote tailored to your distribution operations and inventory requirements.