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Wholesaler Distributor Insurance

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Motion Picture Wholesaler Distributor Insurance Policy Information

Motion Picture Wholesaler Distributor Insurance

Motion Picture Wholesaler Distributor Insurance. Ever since motion pictures were created more than a century ago, they have been a primary source of entertainment around the globe. Today, of course, viewing movies is easier than it was 100 years ago.

Thanks to the advent of new technologies - DVD, Blu-Ray, and more - coupled with motion picture distributors and wholesalers, the general public can access all types of films from the comfort of their own homes - or virtually anywhere else they want to kick back, relax, and take in the latest Blockbuster hit, Indy film, and the multitude of genres.

Motion picture distributors receive completed films from foreign or domestic filmmakers, usually by truck, for distribution to movie theaters. They may also distribute completed films that have been converted to DVDs, VHS, or other format to rental outlets or retail stores.

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

As a motion picture distributor, business owners and the general public alike rely on the services you provide. While there's no doubt that your industry is beneficial and valued, like any business owner, operating your company exposes you to a lot of risks.

Property damage, physical injuries, equipment malfunctions, lawsuits; these are just some examples of the risks that you face as the owner and operator of a motion picture distributor or wholesaler.

While you hope that you never hit a bump in the road, it's always a wise idea to have a plan in case you do; making sure that you have the right motion picture wholesaler distributor insurance is the best way to protect yourself from any bumps - or potholes you may experience.

Motion picture 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 motion picture wholesaler & distributor insurance questions:


How Much Does Motion Picture Wholesaler Distributor Insurance Cost?

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


Why Do Motion Picture Wholesalers And Distributors Need Insurance?

Wholesaler Distributor Insurance

Insurance serves as a form of financial protection against any problems that may arise. Given the fact that you are exposed to a great many risks as a motion picture distributor and wholesaler, you could experience a great many problems; and those problems could potentially have very large price tags.

As the owner and operator of your company, you are financially responsible for any issues that may occur. If a vendor slips and falls while making a delivery to your warehouse and suffers an injury, you'd be responsible for any necessary medical care.

If your commercial space is damaged in a fire, vandalized, or a tree topples down on top of it, you'll have to pay for any necessary repairs. If someone ever files a lawsuit, you'll need to cover the cost of legal fees, as well as any damages that you are deemed liable for.

The cost of any problems that might arise can be astronomical. Will you be able to afford them without suffering? If not, then you need to have the right type of motion picture wholesaler and distributor insurance protection in place.

With insurance, if any issues do occur, instead of covering the expenses yourself, your carrier would cover them for you, potentially saving you from serious financial harm.


What Type Of Insurance Do Motion Picture Wholesalers And Distributors Need?

There are several forms of motion picture wholesaler and distributor insurance coverage business owners in this industry should carry. While the specific type of coverage depends on the specific needs of your business, here's a look at some key policies that every motion picture distributor should have:

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


These are just some of the types of motion picture 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.

Motion Picture 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 extremely limited.

Workers compensation exposure is very high. Back injuries, hernias, sprains, and strains can result from lifting. Workers should be trained in proper lifting techniques and have conveyances available. Forklift operators must be properly trained. Shelving must be stable to prevent stored goods from falling onto workers.

Continual standing can result in musculoskeletal disorders of the back, legs, or feet. Floor coverings or coatings in the warehouse can 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. Training must be provided to deal with such situations.

Property exposures are high due to multiple ignition sources, open construction, and the combustibility and extreme damageability of films, film reels, videotapes, and their packaging materials. Ignition sources include electrical wiring, heating, and air conditioning systems, and equipment. All wiring must be well maintained and up to code for the occupancy.

It doesn't take a lot of heat to melt film. Fire, water, heat, and smoke all can render the stock totally worthless. Good housekeeping and fire controls are critical. All stock should be racked and stored with adequate aisle space and limited stockpiling to prevent the spread of a fire. 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.

Theft is a major concern as films will have a high street value. Alarms, guards, fencing and other security precautions must be in place as appropriate to the location.

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' information. Duplicates must be kept of all data to permit easy replication in the event of a loss.

Contractors' equipment includes forklifts 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, overturn, or 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. Films, film reels, and videotapes 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.

Business auto exposure is moderate for the salespersons' fleet and delivery vehicles. There should be a written policy 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 central locations.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 7822 Motion Picture And Video Tape Distribution
  • NAICS CODE: 423990 Other Miscellaneous Durable Goods Merchant Wholesalers, 512120 Motion Picture and Video Distribution
  • Suggested ISO General Liability Code(s): 98091/li>
  • Suggested Workers Compensation Code(s): 4360

Description for 7822: Motion Picture And Video Tape Distribution

Division I: Services | Major Group 78: Motion Pictures | Industry Group 782: Motion Picture Distribution And Allied Services

7822 Motion Picture And Video Tape Distribution: Establishments primarily engaged in the distribution (rental or sale) of theatrical and nontheatrical motion picture films or in the distribution of video tapes and disks, except to the general public. Establishments engaged in both distribution and production are classified in Industry 7812. Establishments primarily engaged in renting video tapes and disks to the general public are classified in Industry 7841, and those engaged in the sale of video tapes and disks to individuals for personal or household use are classified in Retail Trade, Industry 5735.

  • Film exchanges, motion picture
  • Motion picture distribution, exclusive of production
  • Rental of motion picture film
  • Tape distribution for television
  • Tapes, video, recorded-wholesale
  • Video tapes, recorded-wholesale

Motion Picture Wholesaler Distributor Insurance - The Bottom Line

Not all motion picture wholesaler distributor insurance polices are created equal. If you are looking for business insurance, or want to see if your current policy protects your operations, speak to a broker to take a look at your business.

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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