Protect Your Business, Your Way

We offer flexible business insurance options to cover the many different areas where your wholesale business might need coverage. Tell us more about the specific nuances of your business and let a Farmers agent help you tailor coverage solutions that make the most sense for you.

You’ve achieved your dream of owning a wholesale business. But as you know, the boundless opportunities of ownership come with plenty of risk. When you’re confident that you have taken the steps to safeguard your organization’s people, property and revenue from the unexpected, you can focus on what’s most important—running your wholesale business.

Rated by AM Best, Standard and Poor’s and Moody’s as one of the top tier insurers, Farmers helps you protect the investments you’ve made so you can focus on how to keep your business on the road to long-term success. Farmers has the financial security, resources and knowledge to help you meet your insurance needs, having been trusted by millions of customers for more than eight decades. We have industry-based solutions that our local agents can help you to tailor to fit your business.

Your Business Insurance Options Explained

While your day-to-day operations are complex; understanding business insurance doesn’t have to be. Our customized Farmers Wholesale Business Owner's Package helps you protect your business, covering elements such as: transportation and cargo coverage, product recalls and equipment breakdown. Obtaining the type and amount of insurance that you want for your  business will help you fill gaps in coverage where you need it most.

At a minimum, you should consider the following coverage:

• Business Property Insurance for the replacement and repair of damaged physical assets such as equipment and inventory in the event of theft, fire, hail, windstorms or vandalism.
• Business Liability Insurance for financial losses resulting from claims of injury or property damage caused by you, your employees, or products and services you provide.
• Workers’ Compensation Insurance for your employees’ medical needs in case of a work-related accident, injury or disease, and to make a quick return to work possible. This also minimizes the risk of lawsuits by employees.
• Business Auto Insurance for losses due to injuries to other drivers, passengers and pedestrians caused by you and your employees.
• Business Crime Insurance for losses resulting from wrongdoing like forgery, theft or robbery by a third party.
• Life Insurance for Wholesale Business Owners that can help you survive the loss of a key employee or partner, plan for business succession, as well as retain and reward your top people.
• Retirement Benefits for Wholesale Business Owners that can help you secure your financial future and that of your employees.
• Umbrella Coverage that can help you protect your wholesale business from a potentially ruinous lawsuit with additional liability coverage.

Additional insurance features you should consider adding on to your Wholesale Business Owner's Package include:

• Product Recall Expense Coverage that can help you cover losses associated with a covered product recall from the market caused by a known or suspected defect.
• Transportation and Cargo Coverage that can help you cover costs to replace goods that are lost, damaged or stolen as they are being transported.
• Brands and Labels Coverage that can help you cover costs to remove brands and labels from damaged inventory so they can be salvaged and used for new merchandise.
• Non-Owned Auto Coverage that can help you if an employee is involved in an auto accident while driving a personal automobile on company business.
• Employment Practices Liability Insurance can provide coverage for your wholesale business if wrongful termination, discrimination or sexual harassment claims are made by present, former or future employees.

If You’re Already Covered

You’ve made a sound choice to protect your wholesale business and employees with business insurance. However, your wholesale business has specific needs which may change over time. An annual review of your policy helps you to understand whether your current coverage continues to meet your changing needs. When in doubt, contact a Farmers agent for help. Farmers also offers lines of insurance for many aspects of your life, both professional and personal. Ask your agent about auto, home, motorcycle, recreational vehicle coverage that can complement your business insurance policy.