Insurance for Wholesalers and Distributors Across Southern California

Protecting Your Wholesale or Distribution Business in Southern California

If you run a wholesale or distribution business in Southern California, you already know how fast things move — products coming in, products going out, tight timelines, strict compliance requirements, and plenty of moving parts. One hiccup in the supply chain can create real headaches. That’s why having the right insurance in place isn’t just a box to check — it’s essential protection for your operations, your people, and your bottom line.

At Express Center Insurance Services, we’ve been helping wholesalers and distributors across Los Angeles, Orange, Ventura, and all surrounding counties since the early 1990s. We understand the risks you face every day, from transportation exposures to product liability to warehouse operations. Here’s what you should know about building the right coverage program.

The Key Policies Every Wholesaler or Distributor Should Consider

General Liability Insurance

This policy protects your business if a third party is injured or their property is damaged because of your operations. It’s the foundation of any commercial insurance program — and often required by landlords, vendors, and partners.

Product Liability Insurance

If a product you sell or distribute causes harm or damage, your business can be held responsible, even if you didn’t manufacture it. Product liability insurance helps protect you from lawsuits, medical costs, and legal fees tied to product-related incidents.

Commercial Property & Inventory Coverage

Your warehouse, equipment, and inventory represent major investments. Property insurance protects these assets from risks like fire, theft, vandalism, and certain natural disasters. Because wholesalers tend to have large amounts of inventory on hand, getting the limits right is especially important.

Warehouse Legal Liability

If you store goods for others, warehouse legal liability coverage helps protect you in the event that client-owned inventory is damaged or lost while in your care.

Commercial Auto & Cargo Coverage

Whether you operate a small delivery fleet or rely on drivers moving goods between ports, warehouses, and customers, commercial auto coverage is a must. Inland marine or cargo insurance protects the goods you transport — whether across town or across the state.

Workers’ Compensation Insurance

From forklift operators to warehouse staff to administrative employees, workers’ comp is required in California for any business with even one employee. It protects both your team and your business if a work-related injury occurs.

Business Interruption Coverage

If operations are interrupted due to a covered loss — such as a fire or major equipment breakdown — business interruption insurance helps replace lost income and cover ongoing expenses, so you can keep your operations moving.

Why Wholesalers and Distributors in Southern California Choose Us

With over 30 years of experience serving wholesalers, importers, exporters, and distribution businesses throughout California, we understand the unique risks tied to:

• High inventory values
• Transportation exposures
• Port-to-warehouse logistics
• Product liability concerns
• Specialty equipment and warehouse operations

We work with a wide range of top-rated commercial carriers and can help you compare coverage options quickly — without the runaround. Our approach is simple: fast answers, practical guidance, and policies that make sense for how you actually operate.

Let’s Protect Your Distribution Business the Right Way

If you’re looking for a commercial insurance partner who understands the wholesale and distribution world — including warehouses, retail supply, import/export operations, and logistics — we’re here to help.

Call us at (818) 240‑6633 or visit ecis1.com to request a quote or talk through your coverage options. We’re based in La Crescenta and proudly serve businesses throughout Southern California and beyond.

Let’s make sure your business stays protected — from dock to delivery.