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These establishments are engaged in the wholesale distribution of sockets, plugs, wires, switches, fuses, small appliances and other electrical supplies. They are purchased by professionals in any industry with a need for electrical supplies, plus retailers that sell such products. Items may be used for household and commercial purposes.

General Liability Insurance for Electrical Supplies Distributor – Permitting customers on site to pick up their own supplies will increase the risk of premises liability for electrical supplies distributors. If customers are allowed, then customer access should be limited to certain areas that are clearly marked for that purpose. These areas should be maintained in order to prevent customer injury. Walk spaces between objects such as furniture, displays, and walls should be adequate for easy passage and no electrical or phone wires should transverse walkways. If wires must transverse walkways, they must be secured with mats or tape. If all products are manufactured in the US, then products liability risks are minimal, as the responsibility would fall back on the manufacturer.

Workers’ Compensation Insurance for Electrical Supplies Distributors – Electrical supplies distribution center workers who lift, load and unload goods, and/or deliver supplies are at risk of injury. Employees should be trained to properly use any and all equipment used for these purposes. Conveyance devices and the use of personal protective equipment such as gloves can reduce material handling claims. Appropriate lifting techniques and safety training should be enforced. Proper OSHA training should also be provided for forklift safety for all forklift operators.

Business Auto Insurance for Electrical Supplies Distributors – Auto insurance risks are elevated due to the delivery of electrical supplies. Drivers should be screened and in good physical health. Drug testing should be used to pre-screen drivers and should also be conducted at random once drivers are hired. Acceptable driving records should be maintained by all drivers and MVRs should be regularly checked. Vehicles should run properly and be serviced often. Documentation of repairs should be readily available.

Property Insurance for Electrical Supplies Distributors – Fire is a risk at electrical supplies distribution centers. Electrical supplies and packaging can be melted when exposed to heat or fire. Fire walls in the building can help reduce the risk of a total loss in the event of a fire. Fire restraining systems should be in place. Approved fire extinguishers should also be available at key points throughout the premises and training should be conducted in their usage. All fire extinguishers should be inspected annually and recharged as needed. Electrical supplies may be damaged or lost during transport, which results in increased risks of Inland Marine claims.

Crime Insurance for Electrical Supplies Distributors – The crime exposures for electrical supplies distributors arise from employee dishonesty and theft of money and securities by outsiders. Background checks should be performed prior to the hiring of new employees. Dishonest employees may attempt to steal supplies from the distributor. Therefore, security cameras should be in place. Employees who control inventory should not be allowed to order supplies. Burglary risks can be reduced by the use of a central station alarm system and adequate outside lighting.