Business insurance for distributors

Protect your inventory and your business with Distributors Insurance from State Farm®.

Why you need Distributors Insurance

Companies and consumers rely on you. Products reach their intended destinations securely and efficiently because of you. Maintain smooth operations and help protect your business with Distributors Insurance from State Farm. This coverage shields you from:

  • Theft – Products go missing, even with the best-laid prevention plans. We can help restore stolen products.
  • Damage to customer property – Be prepared with Distributors Insurance for covered accidental damage to your customer’s property.
  • Fire -Electrical wires gnawed by ninja-like warehouse rodents can spark fires. Small business insurance can protect you against loss.

What Distributor Insurance covers

We’ll start with a package of coverages that most distributors need. Then we’ll help you customize it to fit your unique business. The result? Distributors Insurance crafted for you and served up at a surprisingly great rate. Coverages offered include:

  • Property – Covers your business property against damage caused in a covered loss, such as a car crashing into your warehouse walls at 2 a.m. on a Saturday morning.
  • Business Liability – Protection against costly claims and lawsuits.
  • Loss of Income – Protection in case your operations are suspended due to a covered loss, for example, when lightning strikes and your building catches fire.
  • Motor Truck Cargo coverage – Covers goods while in transit or within scheduled vehicles, which means we can protect your goods in case of an overturned or hijacked vehicle.
  • Employee Dishonesty – Protection against employee theft.
  • Computer Property – Coverage for computer equipment used in the business operations, which could be damaged in a loss or stolen.
  • Equipment Breakdown – May provide coverage for damage to covered property caused by mechanical breakdown of covered equipment, artificially generated current damaging covered equipment, explosion of steam boilers or loss of steam/hot water boilers.

Consider adding additional coverages

Depending on the type of distribution company you own, the number of employees you have and other factors, what’s covered in Distributors Insurance might not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

We’re in the business of helping your small business

Since 1935, State Farm has been helping small business owners manage risk, plan for the future and protect what they’ve built.
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Agent know-how

State Farm agents are small business owners too. They understand what it takes to run a business and are ready to help you set up for success.

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Customizable insurance

State Farm offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.

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Personalized service

Your local State Farm agent is ready to help your business grow and thrive with good neighbor service you can count on no matter what.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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