Wholesale Insurance

As insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products. Our process is also quick and straightforward and offers you handpicked insurance policies you can trust.
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Bespoke Packages from Wholesale
Insurance Brokers

At IC Insurance, we understand that wholesale businesses vary in terms of their size, operations and the level of risk they face on a daily basis. That is why we create bespoke wholesale insurance packages that are tailored by insurance experts to fit the needs and coverage requirements of your wholesale business.

Wholesale insurance packages by IC brokers can help you to manage your risks and financially safeguard your wholesale business against a wide spectrum of threats, including lawsuits and property loss.

What is Wholesale Insurance?

Wholesale insurance is designed to protect businesses that distribute products and merchandise against a range of wholesaler liability issues, such as injury claims, product-related lawsuits, robbery and disruptive events.

The wholesale industry is vast and diverse. It incorporates many trades and skillsets. That is why standard wholesale insurance packages often fall short of providing adequate coverage.

We work differently at IC Insurance. Our specialist wholesale insurance brokers collaborate with a panel of top insurers to create bespoke wholesale insurance plans that comprehensively cater to the coverage requirements of your wholesale establishment.

What Does Wholesale Insurance Cover?

Our key covers include:


Covers the cost of repairing or rebuilding your commercial property if it becomes damaged or is destroyed by an insured event.

Business Interruption

Business interruption policy financially covers your wholesale business against loss of income caused by an insured event. If such an event arises, business interruption insurance keeps your company afloat by paying for outgoing expenses like salaries, mortgage and wages.


A form of business insurance that can compensate for the possessions and equipment in your premises.

Directors and Officers

A type of liability coverage that protects the directors and officers of your wholesale business against costs associated with third-party claims and lawsuits.

Employers’ Liability

An essential cover that is legally compulsory in the UK for businesses that hire staff. Employers’ liability cover can protect your business from injury or property loss claims filed by employees.

Plant and Machinery

A cover that pays for the cost of replacements or repair in case your plant or machinery, such as packaging equipment, breaks down.

Products’ Liability

A specialised cover that protects your wholesale business by paying for legal costs in the event someone files an injury or property loss claim because of a distributed product.

Public Liability

Covers wholesalers against property loss or injury claims filed by members of the public. Public liability insurance covers legal expenses like lawyer fees and settlement costs.


Covers the cost of your stock in case it is stolen, damaged or destroyed by an insured event.

Types of Wholesale Businesses We Cover

We provide customised coverage to a wide range of wholesale establishments including:

Builders merchants
Clothing wholesalers
Electrical wholesalers

Food & drink wholesalers
Furniture wholesalers
Giftware/fancy goods

Hardware wholesalers
Machinery & equipment
Timber product suppliers

Frequently Asked Questions about Wholesale Insurance

Does My Business Need Wholesale Insurance?
Wholesale insurance is designed to protect businesses involved in the distribution of products and merchandise. It covers liabilities such as injury claims, product-related lawsuits, theft, and unforeseen events. Having wholesale insurance provides financial protection and peace of mind for your business.
Are There Any Insurance Requirements for Wholesalers by Law?

While insurance requirements can vary, wholesalers require UK employer's liability insurance if they have employees and motor insurance if they operate vehicles.

What Businesses Are Eligible for Wholesale Insurance From IC Insurance?

Our expert insurance brokers in Bolton provide wholesale insurance coverage to a wide range of businesses, including builders' merchants, clothing wholesalers, electrical wholesalers, food and drink wholesalers, furniture wholesalers, giftware and fancy goods retailers, hardware wholesalers, machinery and equipment suppliers, and timber product suppliers.

Why Is It Important to Insure Plant Machinery at Our Wholesaler Facility?
Insuring plant machinery protects your investments and ensures uninterrupted business operations. It covers damage, theft, breakdowns, and liabilities associated with operating heavy machinery.
What Risks Does Plant Machinery Insurance Cover?
Plant machinery insurance covers a range of risks, including accidental damage, breakdowns, theft, vandalism, fire, and third-party property damage or bodily injury caused by the machinery.
How Does Plant Machinery Insurance Benefit Our Wholesaler Facility?
Plant machinery insurance provides financial protection, ensuring that if your machinery is damaged or stolen, you can repair or replace it without a substantial financial burden. It also safeguards against potential liability claims arising from operating the machinery.
Are There Any Exclusions or Limitations in Plant Machinery Insurance?
Plant machinery insurance policies may have specific exclusions or limitations, such as wear and tear, intentional damage, and employee negligence. Reviewing your policy's terms and conditions to understand its coverage scope is essential.
What Is the Purpose of Product Liability Insurance for Wholesalers?
Product liability insurance protects wholesalers from claims related to damage or injury caused by their products, covering legal fees, settlements, and compensation.
Should Wholesalers Consider Cyber Liability Insurance?

Yes, wholesalers should consider cyber liability insurance to protect against data breaches, cyberattacks, related legal costs and financial losses.

What Is Professional Indemnity Insurance, and Do Wholesalers Need It?

Professional indemnity insurance protects against claims of professional negligence or errors, providing legal fees and compensation coverage. Wholesalers should consider it if they provide professional advice or services.

Can I Tailor My Wholesale Insurance?
We specialise in wholesale insurance, tailoring coverage specifically for wholesale businesses. Our collaborative approach with top insurers allows us to craft bespoke insurance plans that meet the unique needs of each wholesale establishment. We are dedicated to providing exceptional service and comprehensive coverage.
How Can I Request a Wholesale Insurance Quote From IC Insurance?
Requesting a quote is simple. You can contact us by filling out the request form below. Our experienced brokers will promptly respond with a tailored quote within 24 hours on business days.

Request a Wholesale Insurance Quote

About IC Insurance

Looking for wholesale coverage? We provide a vast range of products at IC Insurance designed to help you protect your wholesale business against any eventuality. Our team of insurance experts search all companies to find the best cover for your needs, and our strong partnerships with insurance providers mean that we can offer comprehensive policies at competitive prices.

Just contact us on +441204565600 or email us on info@icinsurance.co.uk if you have any questions or if you want to obtain a free quotation.
To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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years of expertise

Putting the customer first is at the heart of everything we do here at IC Insurance Solutions

Using our expertise and market awareness we are commited to solving our clients insurance needs by helping them to quantify and manage the risks to their business in the most effective way. Helping clients navigate the insurance market to find the right policy to protect their business at a competitve premium.
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We are proud to announce that we have been awarded the winning position of commercial lines broker at the UK National Insurance Awards 2023.

The National Insurance Awards is widely considered to be one of the most prestigious events in the insurance industry, and this achievement is a testament to the hard work and dedication of everyone here at IC Insurance.
We are a team of experienced insurance
brokers working together with our customers to understand and fulfil their insurance needs.
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