Glassware
Wholesaler Distributor Insurance

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Glassware Wholesaler Distributor Insurance Policy Information

Glassware Wholesaler Distributor Insurance

Glassware Wholesaler Distributor Insurance. As a glassware wholesaler or manufacturer, you have a lot on your plate. From fulfilling orders to making sure that they're shipped out in a timely manner and reach their destination safely, you do a lot on a daily basis.

Glassware wholesalers receive a wide variety of glassware products, including bottles, china, crystal, decorative items, and statuary from foreign or domestic manufacturers, usually by truck, for distribution to department stores, gift shops, stationery shops, or other retailers.

The distribution center may be open 24 hours a day. Generally, the products are delivered to the customer on the distributor's vehicles.

With so many responsibilities, it can be hard to manage it all. Despite your best attempts to make sure that everything runs smoothly, accidents can happen. As the saying goes, "hope for the best, but prepare for the worst"; that adage hold particularly true for glassware wholesalers and manufacturers.

When things go wrong, you'll be glad you prepared ahead of time by investing in the right type of insurance coverage.

Glassware wholesaler distributor insurance protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked glassware wholesaler & distributor insurance questions:


How Much Does Glassware Wholesaler Distributor Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small glassware wholesaler distributor businesses ranges from $47 to $79 per month based on location, size, revenue, claims history and more.


Why Do Glassware Wholesalers And Distributors Need Insurance?

Wholesaler Distributor Insurance

As a glassware distributor or wholesaler, you face many risks.

From accidents and injuries to property damage and legal disputes, you're responsible for the costs that are associated with the risks that you face; glassware wholesaler distributor insurance provides you with financial protection against these risks.

Some of these risks include:

  • Premises Liability: You probably have vendors, customers, and other third-parties entering and exiting your warehouse or store on a regular basis. Puddles of water, patches of snow and ice, extension cords, and any number of other things could result in third-party injuries on your property. You're responsible for paying the cost of any necessary medical care in these types of cases. If an injured client or vendor files a lawsuit against you, you'll also have to cover the legal expenses and any damages a court finds you liable for.
  • Property Damage: From your commercial property to the property of the people you work with, you're also responsible for any damages that occur. For example, if a storm causes a tree to collapse on your warehouse, you'll need to pay for the damages; or, if an employee damages a client's property while making a delivery, you'll have to cover the repairs.
  • Employee Injuries And Illnesses: You're also responsible for any workplace injuries or illnesses that affect your staff. For example, if a piece of machinery malfunctions, sends glass shards flying, and injures an employee, you'll need to pay for the necessary medical care; you'll also have to cover lost wages while he or she is recovering and unable to work.


What Type Of Insurance Do Glassware Wholesalers And Distributors Need?

While every glassware distributor is different and has different insurance needs - there are some basic types of glassware wholesaler distributor insurance coverage that every business should have, including:

  • Business interruption
  • Commercial auto
  • Commercial general liability
  • Commercial property
  • Inland marine
  • Product liability
  • Product liability
  • Workers' compensation


These are just some of the types of glassware wholesaler distributor insurance coverage you should carry. You can carry individual policies, or opt for a commercial package policy that combines several different types of coverage under a single policy.

Glassware Wholesale Distributor's Risks & Exposures

Wholesale Distribution Insurance

Premises liability exposure is generally limited due to the lack of public access to the storage facilities. Customers should be confined to specific areas that are kept clean, dry and free of obstacles. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls.

If customers pick up goods, loading docks must be clearly marked and user-friendly. There should be a disaster plan in place for unexpected emergencies. Contracts with transportation and storage providers may expose the operation to additional liability.

Railroad sidetrack agreements pose additional concerns. If there is a railroad sidetrack or dock, an employee must verify that no one is in the path of an incoming or outgoing train. Railroad tracks and conveyors can be attractive nuisances. The premises should be enclosed by fencing with "No Trespassing" signs posted.

Products liability exposure is low if products are all from domestic manufacturers. Direct importing of stock can increase the exposure to that of a manufacturer.

Workers compensation exposure is very high. Lifting injuries such as back pain, hernias, sprains, and strains are common. Workers should be trained in proper lifting techniques and to use conveyances. Shelving must be stable to prevent stored goods from falling onto workers.

Glassware may shatter if dropped, resulting in cuts and eye injuries. Forklift and cherry picker operators must be properly trained. Continual standing can result in musculoskeletal disorders of the back, legs, or feet. Floor coverings or coatings may pose slip and fall hazards. Housekeeping is critical.

When work is done on computers, employees are exposed to eyestrain, neck strain, and repetitive motion injuries including carpal tunnel syndrome. Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals.

Drivers of delivery vehicles may be confronted by robbers, injured in automobile accidents, or be injured at customers' premises.

Property exposure is moderate due to open construction, but ignition sources are limited to electrical wiring, heating and cooling systems. All wiring must be well maintained and up to code for the occupancy. Fire, smoke, or water damage may not cause significant damage to most glass products, but packaging materials are combustible and can contribute to the fire load.

If there are any stocks of flammables, those should be kept well away from combustibles, preferably in a UL-approved cabinet. Good housekeeping and fire controls are critical. All stock should be racked and stored with adequate aisle space and limited stockpiling to prevent a fire from spreading. Smoking should be prohibited.

If there is a sprinkler system, heads must be located high enough to avoid accidental contact with forklifts. Recharging of forklifts and maintenance of vehicles should be done in a separate, ventilated area away from combustibles.

Glassware is extremely breakable and can be easily damaged by firefighting efforts or contact with employees. Alarms, guards, fencing and other security precautions must be in place as appropriate to the location.

Business interruption potential is moderate. While backup facilities are readily available, sales may peak at particular times during the year.

Inland marine exposure is from accounts receivable if the distributor offers credit to customers, computers for tracking inventory, contractors' equipment, goods in transit, and valuable papers and records for manufacturers' and customers' records. Duplicates must be kept of all data to permit easy replication in the event of a loss.

Contractors' equipment includes forklifts, cherry pickers, and hand trucks used for moving stored items. While goods may come to the warehouse via contract or common carriers or trains, goods are generally delivered to retailers on trucks owned by the distributor. Goods in transit are subject to loss from collision or overturn, particularly from breakage. Packaging must be carefully done.

Due to the potential for theft, vehicles should be unmarked, have alarms, and be attended at all times. Sales representatives may carry sample stock to retailers.

Crime exposure is from employee dishonesty. Background checks, including criminal history, should be performed on all employees handling money. Warehouse operations involve a number of transactions and accounts that can be manipulated if duties are not separated. There must be a separation of duties between persons handling deposits and disbursements and reconciling bank statements. Regular audits, both internal and external, are important in order to prevent employee theft. Some glassware items are attractive to thieves because of their high street value. Good security systems should be in place to discourage employee theft. Physical inventories should be conducted at least annually.

Commercial auto exposure is moderate for salespersons' fleet and delivery vehicles. There should be written policies on personal and permissive use of any vehicles provided to employees. All drivers must be well trained and have valid licenses for the type of vehicle being driven.

MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 5023 Home Furnishings, 5199 Nondurable Goods, Not Elsewhere Classified
  • NAICS CODE: 423220 Home Furnishing Merchant Wholesalers, 424990 Other Miscellaneous Nondurable Goods Merchant Wholesaler
  • Suggested ISO General Liability Code(s): 12362
  • Suggested Workers Compensation Code(s): 8018

Description for 5023: Home Furnishings

Division F: Wholesale Trade | Major Group 50: Wholesale Trade-durable Goods | Industry Group 502: Furniture And Home Furnishings

5023 Home Furnishings: Establishments primarily engaged in the wholesale distribution of home furnishings and housewares, including antiques; china; glassware and earthenware; lamps (including electric); curtains and draperies; linens and towels; and carpets, linoleum, and all other types of hard and soft surface floor coverings. Establishments primarily engaged in the wholesale distribution of other electrical household goods are classified in Industry 5064, and those distributing precious metal flatware are classified in Industry 5094.

  • Aluminum ware-wholesale
  • Bedspreads-wholesale
  • Blankets-wholesale
  • Carpets-wholesale
  • China-wholesale
  • Crockery-wholesale
  • Curtains-wholesale
  • Draperies-wholesale
  • Floor coverings-wholesale
  • Glassware, household-wholesale
  • Home furnishings-wholesale
  • Kitchen tools and utensils, except precious metal flatware-wholesale
  • Lamps: floor, boudoir, desk-wholesale
  • Linens-wholesale
  • Linoleum-wholesale
  • Pillow cases-wholesale
  • Furniture-wholesale
  • Sheets, textile-wholesale
  • Slipcovers, furniture-wholesale
  • Table linens-wholesale

Description for 5199: Nondurable Goods, Not Elsewhere Classified

Division F: Wholesale Trade | Major Group 51: Wholesale Trade-non-durable Goods | Industry Group 519: Miscellaneous Non-durable Goods

5199 Nondurable Goods, Not Elsewhere Classified: Establishments primarily engaged in the wholesale distribution of non-durable goods, not elsewhere classified, such as art goods, industrial yarns, textile bags, and bagging and burlap.

  • Advertising specialties-wholesale
  • Art goods-wholesale
  • Artists' materials-wholesale
  • Bags, textile-wholesale
  • Baskets: reed, rattan, willow, and wood-wholesale
  • Broom, mop, and paint handles-wholesale
  • Burlap-wholesale
  • Candles-wholesale
  • Canvas products-wholesale
  • Cats-wholesale
  • Chamois leather-wholesale
  • Charcoal-wholesale
  • Christmas trees, including artificial-wholesale
  • Clothes hampers-wholesale
  • Cotton yarns-wholesale
  • Curios-wholesale
  • Dogs-wholesale
  • Felt-wholesale
  • Fish, tropical-wholesale
  • Foam rubber-wholesale
  • Furs, dressed-wholesale
  • Gifts and novelties-wholesale
  • Glassware, novelty-wholesale
  • Greases, animal and vegetable-wholesale
  • Hairbrushes-wholesale
  • Ice, manufactured or natural-wholesale
  • Industrial yarn-wholesale
  • Jewelry boxes-wholesale
  • Leather and cut stock-wholesale
  • Leather goods, except footwear, gloves, luggage, and
  • Lighters, cigar and cigarette-wholesale
  • Linseed oil-wholesale
  • Matches-wholesale
  • Novelties, paper-wholesale
  • Oils, except cooking: animal and vegetable-wholesale
  • Oilseed cake and meal-wholesale
  • Pet supplies, except pet food-wholesale
  • Pipes, smokers'-wholesale
  • Plant food-wholesale
  • Plastics foam-wholesale
  • Rayon yarns-wholesale
  • Rennet-wholesale
  • Rubber, crude-wholesale
  • Sawdust-wholesale
  • Sheet music-wholesale
  • Silk yarns-wholesale
  • Smokers' supplies-wholesale
  • Sponges-wholesale
  • Statuary-wholesale
  • Vegetable cake and meal-wholesale
  • Wigs-wholesale
  • Wood carvings-wholesale
  • Woolen and worsted yarns-wholesale
  • Worms-wholesale
  • Yarns-wholesale

Glassware Wholesaler Distributor Insurance - The Bottom Line

Glassware wholesaler distributor insurance polices can vary widely in limits, cost and coverage. If you are looking for business insurance, or want to see if you have the best fir policy, speak to an experienced agent to take a look at your operations.

In many cases they can save you premium dollars and offer you better policy options than you currently have.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

Additional Resources For Wholesale And Distribution Insurance

Read informative articles on wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Distribution Wholesaler Insurance

Wholesale and distribution operations have many of the same physical damage and property coverage concerns as warehouse operations. In both, the value of both real property and stocks of merchandise is very high. Loss control and other techniques appropriate to the types of merchandise involved are needed. For these reasons, adequate and appropriate property insurance coverages are important.

Managing inventories, equipment and facilities can expose your wholesale distribution operations to some specific and unique risks.

The commercial auto exposure can also be significant, based on the extent of merchandise delivery. In addition, transportation or motor truck cargo insurance on the merchandise must also be arranged.

Employee theft is always an issue and can be a significant exposure, depending on the type of property involved. Finally, the types of merchandise and material handled makes workers compensation insurance another very important coverage.

Minimum recommended small business insurance coverage: Business Personal Property, Business Income and Extra Expense, Accounts Receivable, Computers, Contractors' Equipment, Goods in Transit, Valuable Papers and Records, Employee Dishonesty, General Liability, Employee Benefits, Umbrella, Business Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation

Other commercial insurance policies to consider: Building, Earthquake, Equipment Breakdown, Flood, Leasehold Interest, Real Property Legal Liability, Signs, Computer Fraud, Forgery, Money and Securities, Cyberliability, Employment-Related Practices and Stop Gap Liability.


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