Retail, Wholesale & Distribution Business Insurance
Coverage for Your Products, Property, & Operations
Running a retail, wholesale, or distribution business comes with a range of responsibilities, from managing inventory to serving customers and transporting goods. Specialized insurance helps protect your operations, employees, and assets so you can focus on growing your business with confidence.
Retail Business Insurance
Retailers shoulder a lot of responsibility, and a comprehensive insurance policy helps keep their store open and running smoothly, even under difficult circumstances. We can help you choose the right combination of coverage for your retail business. From protecting your property and inventory to managing liability and business interruptions, we work with you to ensure your policy fits your store’s specific needs.
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Retailer insurance helps small business owners cover unexpected expenses, such as temporary closures due to property damage, business crimes, or theft of sensitive information.
A tailored general liability policy protects against customer injuries, property damage, and certain libel or slander claims—essential coverage for any retail business.
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General Liability
Commercial Property
Business Interruption
Employee Dishonesty / Crime
Cyber Liability
Product Liability
Wholesaler & Distributor Insurance
Wholesalers and distributors manage large amounts of stock, both on-site and in transit, which makes specialized insurance essential. A tailored policy helps protect your inventory, income, and liability, keeping your business running smoothly. We can help you customize a policy that fits your operations, ensuring your business has the right coverage limits and protection for all aspects of your distribution or wholesale operations.
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Specialty insurance policies for wholesalers and distributors are highly customizable to meet your specific needs, including coverage limits that reflect the high value of a full warehouse of stock. Typically, such policies include three main components: property insurance to protect the stock itself; business interruption coverage to compensate for lost income if your facility is out of operation; and liability coverage for claims of injury or property damage caused to visitors on your premises or by your delivery staff elsewhere.
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Property Insurance
Business Interruption Coverage
General Liability
Cyber Liability
Employee Claims
Equipment Protection
Loss of Power/Communication
Manufacturer Insurance
Manufacturers come in all shapes, sizes, and industries, but one thing is universal: protecting your business is essential. Manufacturer insurance helps cover the specific risks associated with producing, storing, and distributing products.
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A dedicated manufacturer insurance policy ensures your operations, products, and employees are protected so you can focus on growing your business. At Miller Insurance Brokers, we can help you customize coverage that fits your industry, product lines, and operational needs.
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Product Recall
Business Auto
Workers’ Compensation
Errors & Omissions
Commercial Property
Motor Truck Cargo
Ocean Cargo
Manufacturers’ Selling Price
Business Interruption
Employers Liability
General Liability
Cannabis Insurance
Operating a legal cannabis business comes with a complex set of considerations. Specialized cannabis insurance helps protect your property, products, and operations while keeping your business compliant and prepared to grow. Our team helps you identify the right coverage so your business can thrive with confidence in this evolving industry.
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As with any business, you’ll need to protect your property against damage from events such as fire or theft. Be sure your products are covered while in transit, for example, between a cannabis farm and a storage facility. It’s also important to consider coverage that compensates for lost income and profits, not just the cost of raw materials.
Liability coverage is another key component of cannabis insurance. This includes general liability insurance, which protects against incidents such as a visitor being injured on your premises, and product liability insurance, which provides protection if you are sued over your products.
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General Liability
Product Liability
Property Insurance
Cargo/Transit Insurance
Business Interruption
Workers’ Compensation
Cyber Liability
Special Considerations:
Policies require full compliance with local laws and licensing.
Coverage can differ for medical versus recreational cannabis operations.
Since 1899, our team has proudly supported Southwestern Ontario with reliable coverage and trusted guidance.
Fill out the form, and one of our knowledgeable brokers will reach out to provide a personalized, no-obligation insurance quote.
Local service, long-standing relationships, and peace of mind — that’s the Miller Insurance Brokers promise.
Local Knowledge. Trusted Carriers. Personalized Service.
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