At Skyscraper Insurance, we understand the unique risks and challenges faced by manufacturers, wholesalers, and distributors. Whether you’re producing goods, storing inventory, or distributing products across the country, your business is exposed to various liabilities, from equipment breakdowns to product recalls. Our Manufacturing, Wholesale & Distribution Insurance is designed to provide comprehensive coverage that safeguards your operations, assets, and financial stability.
Why This Coverage is Essential
Manufacturers and distributors operate in a fast-paced industry where supply chain disruptions, machinery malfunctions, and liability claims can lead to severe financial losses. Without the right insurance, one unexpected event—such as a fire, product defect, or transportation accident—can bring your entire operation to a halt. Our specialized coverage ensures that your business remains protected against these unforeseen risks.
Key Coverages Included
1. Property Insurance
- Covers physical assets, including factories, warehouses, and distribution centers.
- Protection against fire, theft, vandalism, and natural disasters.
- Includes coverage for inventory, raw materials, and finished goods.
2. General Liability Insurance
- Protects against third-party bodily injury and property damage claims.
- Essential for legal protection if customers, suppliers, or visitors are injured on your premises.
- Covers legal fees, medical expenses, and settlements.
3. Product Liability Insurance
- Safeguards against claims arising from defective products, faulty manufacturing, or improper labeling.
- Covers legal expenses and compensation for injuries, illnesses, or damages caused by your products.
- Essential for manufacturers and distributors handling high-risk consumer goods.
4. Equipment Breakdown Insurance
- Covers repair and replacement costs for essential machinery and production equipment.
- Protection against electrical failures, mechanical malfunctions, and boiler breakdowns.
- Helps reduce downtime and revenue loss in case of equipment failure.
5. Business Interruption Insurance
- Provides financial relief in case of unexpected shutdowns due to covered risks.
- Covers lost income, payroll expenses, and operational costs.
- Ensures continued cash flow during supply chain disruptions or facility damages.
6. Workers’ Compensation Insurance
- Covers medical expenses, lost wages, and rehabilitation costs for injured employees.
- Ensures compliance with state and federal labor laws.
- Essential for businesses with high-risk manufacturing environments.
7. Inland Marine & Cargo Insurance
- Protects goods in transit, whether by truck, rail, or air.
- Covers losses from theft, accidents, or damage during transportation.
- Essential for wholesalers and distributors handling nationwide or international shipments.
8. Cyber Liability Insurance
- Protects against data breaches, cyberattacks, and ransomware threats.
- Covers financial losses from customer data leaks, supply chain disruptions, and online fraud.
- Essential for companies using digital inventory and order management systems.
9. Commercial Auto Insurance
- Covers company-owned vehicles used for deliveries, transportation, and logistics.
- Protection against accidents, vehicle damage, and third-party liability claims.
- Essential for businesses relying on trucking and distribution networks.
10. Umbrella & Excess Liability Coverage
- Provides additional financial protection beyond general liability and product liability limits.
- Helps businesses mitigate high-cost claims, large-scale recalls, and legal disputes.
- Ensures compliance with vendor and supply chain contract requirements.
Who Needs This Insurance?
Our Manufacturing, Wholesale & Distribution Insurance is ideal for:
Manufacturing Plants & Factories
Wholesale Suppliers & Distributors
Warehousing & Logistics Companies
Importers & Exporters
Food & Beverage Manufacturers
Chemical & Pharmaceutical Producers
Metal, Plastic, and Woodworking Industries
Why Choose Skyscraper Insurance?
Industry Expertise – Decades of experience in manufacturing, wholesale, and distribution insurance.
Custom Coverage – Policies tailored to your business size, industry, and risk exposure.
Financial Security – Protection against costly claims, equipment failures, and product recalls.
Regulatory Compliance – Ensures adherence to OSHA, FDA, and supply chain standards.
Dedicated Support – Our team provides risk assessments, policy management, and claims assistance.
Protect Your Business with Skyscraper Insurance
Running a manufacturing, wholesale, or distribution business comes with significant risks—but with the right insurance, you can operate with confidence. Let Skyscraper Insurance help you secure comprehensive, reliable coverage that keeps your business moving forward.
Contact us today to get started! 
