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Oracle RMS Insurance

Wholesale & Distribution Insurance

Industry Insurance — Oracle RMS Insurance

Wholesale & Distribution Insurance

Insurance for wholesalers, distributors, and supply chain businesses — protecting your inventory, vehicles, and receivables.

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Wholesale and distribution businesses sit in the middle of the supply chain, creating product liability exposure for goods they distribute, significant property exposure for warehouse inventory, and accounts receivable risk from customers who may not pay. Oracle RMS works with wholesalers and distributors to build insurance programs that address the full scope of their risk.

Who needs this coverage?

Wholesale distributors, importers, export businesses, food and beverage distributors, industrial supply companies, building materials distributors, and any business that buys goods in bulk and resells them to retailers or other businesses.

Key coverages

  • Commercial general liability
  • Product liability
  • Commercial property (warehouse and inventory)
  • Business interruption
  • Commercial auto and fleet
  • Cargo / inland marine
  • Trade credit insurance
  • Crime and employee dishonesty
  • Cyber liability

Frequently Asked Questions

Do distributors need product liability insurance?
Yes. Distributors can be held liable for defective products they distribute, even if they did not manufacture them. Canadian courts have held all parties in the supply chain jointly and severally liable in some product liability cases.
What is inland marine insurance for distributors?
Inland marine insurance covers goods in transit — from your warehouse to your customers. It covers loss or damage to inventory while it is being transported by truck, rail, or courier. Standard property policies cover goods at your premises but not while in transit.
How does trade credit insurance help distributors?
Trade credit insurance protects your accounts receivable against customer insolvency or non-payment. For distributors that sell on open account terms, a single large bad debt can be financially devastating. Trade credit insurance also helps secure better financing terms from lenders.
What is the difference between product liability and commercial property for a distributor?
Product liability covers claims for bodily injury or property damage caused by products you distribute. Commercial property covers physical loss or damage to your warehouse, equipment, and inventory. Both are essential for a distribution business.
Do I need cyber liability insurance as a distributor?
Yes. Distributors that process orders online, maintain customer databases, or use EDI systems face cyber liability exposure. A data breach or ransomware attack can disrupt operations and result in significant costs for recovery and customer claims.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.