Wholesale / Distribution Insurance
Wholesale / Distribution Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
Talk To A Specialist Today!
Typical Wholesale Distribution Coverage Summary | ||
| Typical Property Coverages | Basic Package Limits | Enhanced Package Limits |
| Business Income | Actual loss sustained – 18 months | Actual loss sustained – 18 months |
| Seasonal Automatic Increase | Included | Included |
| Accounts Receivable | $5,000* on premises / $2,500 off premises | $15,000* on premises / $2,500 off premises |
| Arson Conviction Reward | $5,000 | $5,000 |
| Back-up of Sewers or Drains | $1,000* | $1,000* |
| Brands and Labels | Usually enhanced only | $25,000 |
| Building Ordinance | N/A ($5,000 Increased Cost of Construction included) | Undamaged portion – included Demolition – $50,000* Increased Cost of Construction-$50,000* |
| Computer Coverage | $15,000* | $30,000* |
| Civil Authority | 3 weeks, or when BI ends, whichever is longer | 3 weeks, or when BI ends, whichever is longer |
| Crime Reward | $5,000 | $5,000 |
| Debris Removal | 25% covered loss / $10,000 add’l above Prop/BPP limits | 25% covered loss / $10,000 add’l above Prop/BPP limits |
| Extra Expense | Actual loss Sustained – 12 months | Actual loss Sustained – 12 months |
| Fire Department Service Charge | $2,000 | $5,000 |
| Fire Extinguisher Recharge | $5,000 | $15,000 |
| Increased Cost of Construction | $5,000* | $50,000* |
| Master Key | $1000 per occurrence | $5,000 per occurrence |
| Newly Acquired or Constructed Locations – Buildings | $500,000 | $1,000,000 |
| Newly Acquired or Constructed Locations – BPP | $100,000 | $500,000 |
| Outdoor Property | $500 per item / $2,500 max | $500 per item / $2,500 max |
| Outdoor Signs | $5,000* | $10,000* |
| PersonalEffects | $2,500 | $2,500 |
| Personal Property Off Premises | $5,000 in transit $15,000 at other locations $15,000 fairs and exhibitions | $15,000 in transit $50,000 at other locations $25,000 fairs and exhibitions |
| Pollutant Clean-Up | $10,000 | $10,000 |
| Premises Boundary | 100 feet | 1,000 feet |
| Preservation of Property | 30 days | 60 days |
| Product Recall Expense | $10,000 | $100,000 |
| Valuable Papers and Records | $5,000* on premises / $2,500 off premises | $15,000* on premises / $2,500 off premises |
| CrimeCoverages | Basic Package Limits | Enhanced Package Limits |
| Employee Dishonesty | $5,000* | $20,000* |
| Money and Securities – Inside/Outside | $10,000* | $20,000* |
| Forgery and Alteration | $2,500 | $2,500 |
| Money Orders & Counterfeit Paper Currency | $1,000 | $1,000 |
| * Higher limits available | ||
| Liability Coverages | Limits |
| Premises/Operations and Products/Completed Operations | $500,000, $1M or $2M per Occurrence |
| Premises/Operation Aggregate: | 2 x Liability and Medical Expense Occurrence Limit |
| Products/Completed Aggregate: | 1 x Liability and Medical Expense Occurrence Limit |
| General Aggregate: | 2 x Liability and Medical Expense Occurrence Limit |
| Personal Injury | Included |
| Advertising Injury | Included |
| Bail Bonds | $250 |
| Tenants Liability | $100,000 |
| Medical Expenses | $5,000 per person/$25,000 per occurrence |
| Reasonable Expense | $250/day |
| Employee Benefits Liability | $100,000* (Premier Only) |
*Higher limits available |
Other Helpful Resources
Three Steps To Success
We Will Help You Every Step Of The Way
IMD leads the way in providing products to specialized markets which include employees of federal, state, and municipal governments, small businesses as well as an array of support to other marketing organizations, agencies and producers.
01
Speak To One Of Our Licensed Insurance Specialists
One of our Specialists will give you a call to identify your families specific needs.
02
Learning About All Your Insurance Options
Once we know all of your options, we can start building a plan that’s right for you!
03
Your Agent Will Build A Custom
With tailored insurance plans, we can guarantee to find you what you and your family need!
we aren't afraid of trying new things
Be part of something great
If you want to be part of something great, you have honor, integrity, and intention to live a life. Being part of IMD Insurance & Financial Services LLC means you believe in Family, have Faith, and strive to be the best version of yourself every day. Our mission is to Inspire what is most important to our clients, staff, and team members that we are so privileged to work with. To motivate each other when we are struggling or down and consistently drive each other to be the best, they can be so that the people in their lives can be in a better place. Being part of something great is not giving up!