Summit Commercial Insurance Solutions
Industries/

Retail & Wholesale Insurance

Protecting retail and wholesale businesses from customer claims to inventory loss. Coverage built for the unique risks of retail operations and distribution.

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The Challenges

Risks unique to retail & wholesale.

Customer Liability

Retail premises face significant premises liability from customer injuries on your property.

Product Liability

Retailers can be held liable for defective products they sell, even if they did not manufacture them.

Inventory Risk

Significant inventory investment requires protection from theft, damage, and loss.

Employment Issues

High staff turnover and diverse workforces create employment practices liability exposure.

Coverage

Coverage types for retail & wholesale companies.

Every business is different. We'll work with you to build a coverage package that addresses your specific risks and meets your contractual requirements.

General Liability
Product Liability
Property & Inventory
Commercial Crime
Employment Practices
Cyber Liability

Why Summit

Why retail & wholesale companies choose Summit.

1

Deep retail and wholesale industry expertise

2

Coverage for diverse product types

3

Inventory protection for distribution centers

4

Risk management for customer-facing operations

Common Questions

Retail & Wholesale insurance FAQs.

Do retailers need product liability if they do not manufacture?+
Yes. Retailers are often considered "sellers of record" and can be held liable for defective products regardless of who manufactured them. Product liability is essential.
What does commercial crime insurance cover for retailers?+
Commercial crime coverage protects against employee theft, shoplifting losses (in some policies), forgery, and burglary. This is critical for retail and wholesale operations.
How much inventory insurance do I need?+
Inventory coverage should reflect the full replacement value of your stock at any given time. For wholesalers with higher inventory values, adequate limits are critical.
Does general liability cover slip-and-fall injuries in my retail store?+
Yes. General liability covers slip-and-fall and other customer injuries on your premises. Adequate premises liability limits are important for retail locations with high foot traffic.

Built for growth. Backed by clarity.

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