Wholesalers are in a unique position. Situated between manufactures of goods and retailers, they cover the gamut from household goods to industrial products.

Wholesalers Advantage is designed for:

• Communications Equipment
• Food and Beverage Products
• Hardware Goods
• Household Goods
• Lawn and Garden Supplies
• Marble, Decorative Clay and Stone
• Plastic Products
• Plumbing

Wholesalers Advantage includes specialized coverages such as:

• Brand and Labels
• Sales Samples
• Exhibition Floater
• Contingent Loss of Income

Wholesalers Advantage is not designed for*:

• Acids, chemicals and petrochemicals
• Infant furniture and toys
• Nonstandard business
• Operating auto parts such as steering, brakes and wheel assembly
• Paint, varnish, and lacquer
• Pesticides, herbicides and insecticides
• Recycling yards and depots of paper, scrap metal, rubber, metals and plastics
• Rubber and wax products
• Tobacco products
• Vegetable and mineral oils

* Contact our Account Managers for individualized quotation if your business is represented in this list.

Property	Coverage
Replacement Cost on Building and Equipment	Included
Blanket By-Laws	Included
Blanket Glass	Included
Debris Removal	Included
25% Peak Season Increase	Included
Accounts Receivable	$50,000
Valuable Papers and Records	$50,000
Fire Department Service Charges	$10,000
Computer Equipment	$50,000
Computer Media	$10,000
Computer Breakdown	$10,000
Personal Property of Employees	$10,000
Outdoor Signs	$10,000
Professional Fees	$25,000
Exhibition Floater	$10,000
Transit	$25,000
Newly Acquired Buildings	$1,000,000
Contents at Newly Acquired Locations	$250,000
Courier or Parcel Post	$10,000
Installation Floater	$10,000
Tool Floater	$5,000
Master Key	$10,000
Consequential Loss Assumption	$10,000
Contents at Un-named Locations	$50,000
Fine Arts	$50,000
Sales Samples	$10,000
Brands and Labels	$25,000
Exhibition Floater	$25,000

Crime	Coverage
Employee Dishonesty (Form A)	$10,000
Broad Form Money and Securities	$5,000
Money Order and Counterfeit Paper	$5,000
Depositors’ Forgery	$5,000

Liability

• Personal and Advertising Injury
• Internet Advertising Injury
• Trademark Infringement
• Products and Completed Operations
• Employees as Additional Insured
• Occurrence Basis Property Damage
• Broad Form Property Damage
• Blanket Contractual Liability
• Contingent Employers Liability
• Non-Owned Watercraft (under 8 metres)
• Incident Medical Malpractice
• Incidental Acts for the Protection of Persons and Property
• Products and Completed Operations
• Limited Worldwide Liability
• Automatic Coverage on Newly Acquired Locations
• Tenants Legal Liability $500,000
• Attached Machinery and Equipment
• Cross Liability
• Medical Payments $10,000 Per Person
• Canadian Currency Clause

Optional Coverages

• Business Interruption options including Profits, Gross Earnings, Extra Expense and Rental Income
• Boiler and Machinery
• Earthquake
• Flood
• Sewer Back-Up
• Miscellaneous Floaters
• Printers Errors and Omissions Liability
• Umbrella Liability
• Commercial Automobile

Request a no-obligation business insurance quote online or from an HS Financial Account Manager at 1-800-411-7979 to find out more.