Insurance designed for wholesalers and retailers

Our insurance solutions for wholesalers and retailers are designed to meet the unique risks that come with operating a business in the wholesale and retail sector.

We offer solutions for:

Wholesalers

Hardware store owners

Building supply retailers

Food and beverage retailers

  • Wholesalers
  • Hardware store owners
  • Building supply retailers
  • Food and beverage retailers

Why wholesalers and retailers trust us

We have over 100 years of experience creating custom-built insurance solutions for Canadian businesses.

Through our experience working with wholesalers, building supply stores, hardware stores and other retailers, we’ve come to understand the risks you’re exposed to on a daily basis.

Whether you run a small retail shop or manage a major wholesale operation, take advantage of our industry expertise to get a complete commercial insurance solution designed specifically for your business.

At Federated Insurance, we provide:

  • Customized insurance solutions designed for wholesalers and retailers
  • Dedicated advisors who work with you directly
  • Expanded coverage options
  • Flexible payment and deductible options
  • Quick, hassle-free renewals

Coverages for wholesalers and retailers

In addition to providing you with coverage for liability, property, and employees, our crate is filled with options designed to ensure that your wholesale or retail business is properly protected:

Business Interruption:

You can take advantage of our business interruption insurance to help protect your business from a loss of income.

Mechanical and Computerized Equipment:

We offer equipment coverage, as well as rental reimbursement, which covers the cost of renting regular and computerized equipment if yours is damaged or breaks down. This coverage also includes a stated value for production equipment clause, which provides the cost of replacement based on the scheduled value of the production equipment.

Company Vehicles:

We’ll make sure you have the right coverage for all of your company vehicles, whether you have just one or a whole fleet.

Cyber:

We’ll help to keep your business cyber safe with costs coverage for data recovery, customer breach communications and e-commerce threats.

Crime:

We offer insurance coverage to help protect you from employee dishonesty, credit card forgery and other types of theft by employees and others.

Personal:

Personal insurance solutions are available for your home and vehicles. So, whether you own a house, cottage, car, boat or RV, we can help you build a complete insurance package that protects your business, your employees and your family.

We’re your manufacturing industry experts

Our expertise among woodworkers, machine shops, concrete suppliers and other manufacturing businesses is defined by our relationships with the leading industry associations such as the Saskatchewan Ready Mixed Concrete Association.

Proudly recommended by:

Work with us directly

Federated Insurance works directly with you. Whatever your needs, our team of industry-trained experts will help you ensure that your wholesale or retail business is properly protected.

We take the time to understand your business today and in the future, so that as your business evolves, we can help you align your coverage with your changing business needs.

Value-added services for your wholesale or retail business

Once you become a Federated Insurance customer, you’ll have access to an array of value-added services for your wholesale or retail business, including:

Superior claims handling

Our claims professionals are skilled in handling claims in the wholesale sector. They’re available 24/7 to resolve your claim and get your business back up and running as quickly as possible.

Dedicated advisors

Our Commercial Insurance Specialists use their expert knowledge and experience to develop a tailored insurance program that fits the unique needs of your business, and they’ll provide support along the way.

Loss prevention expertise

You’ll have access to our highly-trained loss prevention consultants who can answer your questions and provide you and your employees with valuable safety advice.

Safety programs

We have the tools to help you create, implement and maintain safety programs, with a focus on identifying, communicating and mitigating risks.

Trauma assistance

You can count on our confidential, one-on-one counselling services to help you cope with a traumatic loss.

Risk management tips for wholesalers and retailers

Tip #1:
Losses happen, but business continuity planning can help keep your business going after a catastrophe. Stay on top of local and global events and trends to help you anticipate problems, and develop procedures to handle crises, including fires, natural disasters or data downtime.
Tip #2:
Make record keeping a top priority to help you manage the products you provide. Design records, quality control data, and test data on vendor and purchased components should be collected – these will help you ensure you deliver the best products and may play a part in helping you establish a defense in the event a customer files a claim against you.
Tip #3:
Each year, tens of millions of dollars’ worth of equipment is stolen in Canada. Having a current inventory and keeping detailed records of all equipment (and tools) used in your building and offsite will be instrumental in recovering and managing your assets.

Latest blog posts for wholesalers and retailers:

Check out our latest blog posts for some tips on business, customer, employee and operational safety for wholesalers, home retail stores, building supply stores, and other retailers: