Insurance for Wholesalers & Distributors Across California

Get a Wholesaler Insurance Quote

Coverage Built for Inventory-Heavy, Fast-Moving Operations

Wholesalers face unique risks that typical business policies don’t fully address. From forklift accidents to loading-dock injuries, from warehouse fires to broken pallets and damaged shipments, and from theft to product liability claims, your exposures extend across facilities, supply chains, and transportation routes. Whether you operate a warehouse near the Port of Los Angeles, manage shipments out of the Port of Long Beach, run a distribution hub near LAX cargo routes, or serve the Inland Empire and the San Fernando Valley, you need insurance that reflects the real-world risks of wholesale operations.


With over 30 years insuring California wholesalers, we help you get the protection your business needs — without slowing down operations.

What Wholesalers Ask Us Most

What Wholesalers Ask Us Most

  • “How do I protect large amounts of inventory in multiple warehouses?”

  • “What if a forklift accident damages materials or injures someone?”

  • “Does my policy cover goods in transit between locations or ports?”

  • “What happens if a product I distribute causes an injury or lawsuit?”

  • “My big-box customers require specific wording — can you handle certificates?”

We help you answer these questions clearly and choose coverage that matches your actual operations.

Warehouse worker in orange hard hat operating a pallet jack loaded with boxes. Many other boxes are in foreground.

Supporting Distribution Hubs Across Southern California & the State

We insure wholesalers throughout Los Angeles County, Ventura County, Orange County, the San Fernando Valley, and the Inland Empire — as well as importers and exporters near major logistics points including the Port of Los Angeles, Port of Long Beach, and LAX air cargo corridors. Whether you manage a single warehouse or multiple locations across California, we help ensure your insurance stays aligned with your contracts, inventory values, and operational changes.

What’s Included in a Wholesaler Insurance Package

Retailers depend on you — and your insurance package should support every part of your supply chain.

  • Property & Warehouse Coverage: Buildings, shelving, pallets, racking, and improvements.


  • Inventory Coverage: Goods stored on premises or staged for distribution.


  • Product Liability: Claims arising from defective or dangerous products you distribute.


  • Commercial Auto: Box trucks, vans, and delivery vehicles.


  • Inland Marine / Cargo: Goods in transit between facilities and ports.


  • Business Income Coverage: Protects revenue during shutdowns or repairs.


  • Workers’ Compensation: Covers warehouse teams, forklift operators, and drivers.


  • Equipment Breakdown: Conveyor systems, forklifts, and warehouse machinery.

We identify which coverages you need based on your operations, customer requirements, and contract obligations.

Your Wholesaler Insurance Questions, Answered

  • Do I need product liability if I don’t manufacture the goods?

    Yes. Distributors and wholesalers can be held liable for injuries caused by products they sell — even if they didn’t manufacture them.

  • Does warehouse insurance cover multiple locations?

    It can. We help you set limits for each warehouse and add additional locations as your operation grows.

  • Are goods covered while in transit?

    Not under a standard policy. Inland marine or cargo coverage protects inventory being transported, especially from ports or between warehouses.

  • Do you handle certificates for big-box retail clients?

    Yes. We provide certificates quickly and help ensure they meet additional insured and contract requirements.

  • Can you insure importers/exporters?

    Absolutely — we frequently work with businesses that move goods through the ports and LAX cargo hubs.

Ready to Protect Your Warehouse, Inventory & Operations?

Send us your current policy, contracts, or customer requirements — we’ll review everything and outline a coverage plan tailored to your wholesale operation. Whether you’re shipping across California or internationally, our team ensures your insurance keeps up with your business.