£1,377
Insurance for Wholesale Businesses
- Customers typically save 30%* with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
Whether your wholesale business is a specialist – from fashion to food, furniture to plumbing or a multi-sector distributor, we can help find tailored insurance for you.
So many issues can potentially affect day-to-day operations – serious incidents affecting storage and distribution, utility failures and so on. Those risks don’t end with property and logistics, of course. There are people risks to consider too – injuries to staff or visitors on site – damage to stock, vehicles, goods in transit, legal expenses and book debts too. The list goes on.
That’s why ensuring you have effective wholesalers' insurance in place is so crucial. Peace of mind is knowing you have all those risks covered – so your business and your reputation are protected if something goes wrong.
As an insurance broker with access to a wide range of A-rated insurers and types of cover, we’ll search the market for you and can tailor an insurance policy to meet your business needs, so you won’t end up paying for cover you don’t need.
Speak to our team of experts in wholesalers’ insurance for a free, no obligation quote.
You Could Save Over 30% with us*
Standard Features:
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Quotes from a panel of A-rated insurers.
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Single, flexible policy — tailor made to suit your requirements.
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Dedicated adviser throughout your policy.
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No midterm amendment fees should you need to make a change.
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Access to a 24-hour legal helpline.
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Flexible payment options including direct debit.
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Access to documents anytime, anywhere via our secure portal.
Optional Covers Include:**
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Book debts.
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Business interruption.
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Deterioration of refrigerated stock.
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Directors and officers insurance.
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Employers liability.
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Engineering inspection.
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Equipment breakdown.
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Fleet.
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Goods in transit.
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Group personal accident and travel.
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Legal expenses.
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Marine cargo.
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Money.
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Personal accident.
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Product recall.
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Products liability.
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Professional indemnity.
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Property damage.
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Public liability.
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Specified all risks.
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Stock throughput (items insured at a third-party premises).
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Terrorism.
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Theft by employee.
Premiums from as little as:
In the past 12 months our customers have paid as little as £1377 per annum for manufacturing insurance. That’s just £26 per week!
50% of our shop and retail customers paid less than £9,622 per annum.***
* Please click here to view our pricing disclaimer.
** Cover may depend on insurer.
*** Data compared from 36 policies sold in 2023. 20 customers paid £1377.43 or less, which represents 56%. £26 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
You Could Save Over 30% with us*
Frequently asked questions
Wholesale insurance is a type of cover specifically designed for wholesalers and distributors. It protects businesses that purchase goods in bulk from manufacturers and sell them to retailers or other businesses. This insurance typically covers property, liability, and other risks associated with the wholesale distribution process.
Wholesalers face multiple unique risks, including property damage, product liability, and business interruption. Insurance helps protect against financial losses due to accidents, theft, or lawsuits, ensuring that the business can continue to operate smoothly.
The cost of wholesale insurance varies based on several factors, including the size of the business, the types of products sold, the level of cover needed, and the business's claims history. Our advisers will get quotes from multiple insurers to find the best coverage at a competitive price.
It is best to work with a specialist broker who will help you assess your business's specific risks and needs and then tailor a policy for you. You should consider factors such as the types of products you sell, the size of your inventory, and your business operations.
If you need to file a claim, contact your insurance provider as soon as possible. They will guide you through the claims process, which typically involves providing details about the incident, any supporting documentation, and following their specific procedures.
Common exclusions may include damage caused by wear and tear, intentional acts, and incidents where you have been reckless. It's essential to read your policy carefully and discuss any exclusions with your insurance broker.
Reviewing your insurance policies regularly is essential to ensure that your coverage remains adequate and relevant to your business needs. Your broker will review your policy with you prior to renewal but it is important to flag if anything changes mid-way through your policy, such as you have expanded your operations, acquired new equipment or relocated to a new facility.
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You Could Save Over 30%*