Retailers and distributors
Insurance for retailers and distributors.
Virtus reviews coverage for your stores, warehouses, inventory, and delivery operations. We help you evaluate product liability, supplier requirements, and the effect of an interruption on your business.
Retail & Distribution
Coverage for stores, warehouses, and delivery.
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Supplier contracts and risk transfer
We compare contractual insurance requirements with coverage and supporting documentation. Based on the support agreed with your team, we review vendor certificates and other insurance documentation to identify questions and discrepancies across your supplier relationships.
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Product liability and recall considerations
We review the products you sell, sourcing arrangements, and distribution responsibilities to evaluate relevant coverage options. Product liability and recall exposures call for distinct consideration; recall protection should be evaluated separately rather than assumed to be included.
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Property, inventory, and business interruption
We review locations, reported values, inventory changes, and the potential impact of an interruption on operations. That includes considering seasonal peaks and changes in your stores or warehouses when evaluating the program.
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Fleet, delivery, and claims support
We evaluate vehicle use and delivery arrangements in the context of your actual operation. Risk control and claims support help address driver and vehicle exposures, recurring loss patterns, and questions about delivery responsibilities.
Keep your program aligned with how the business operates.
- Do reported inventory values reflect seasonal peaks?
- Have new locations or warehouse changes been reflected in the program?
- What changes when you add a product line, supplier, or sourcing arrangement?
- How do your own vehicles and third-party delivery arrangements affect the exposures?
- What would an interruption at a key location mean for the business?
Related capabilities
Coverage and services for retail & distribution
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Property →
Coverage for buildings, contents, and business interruption, aligned with your exposures.
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General Liability →
Coverage for third-party bodily injury, property damage, and related liability exposures.
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Contract Review →
Insurance requirements reviewed alongside your coverage to identify differences.
Opening a location or expanding delivery?
Talk with our Retail & Distribution team about inventory, product lines, supplier agreements, and vehicle or delivery exposures.
Talk with our Retail & Distribution team →