Dealers, Distributors & Manufacturers

Built for businesses that make, move, and sell physical products

Republic Insurance Group provides specialized insurance and risk management solutions for dealers, distributors, and manufacturers—designed to protect inventory, facilities, people, and reputation across the supply chain.

Coverage for inventory, products, and logistics exposure
Product liability and recall-aware program design
Risk management and claims advocacy for complex losses

Businesses that power commerce

We work with privately owned, family-run, and middle-market companies, including:

Equipment and machinery dealers
Franchise & independent automotive groups
Wholesale distributors and supply houses
Manufacturers and assemblers
Fabricators and component producers
Importers and exporters
Regional and multi-state distribution companies
Golf carts, recreational vehicle, ATV & lawn equipment dealers
Vertically integrated operations

If your business involves inventory, contracts, transportation, and end-users, insurance must be designed as a system—not a collection of policies.

Core Coverage

Coverage built around operations and flow of goods

Property & Inventory Coverage

Manufacturing facilities, warehouses, and yards
Machinery, tools, and production equipment
Raw materials, work-in-process, and finished goods
Outdoor and off-premises inventory
Business interruption and extra expense

General Liability

Premises and operations liability
Products and completed operations
Vendor and distributor additional insured structures
Contractual liability alignment

Product Liability

Claims arising from defective products
Bodily injury and property damage allegations
Coordination with manufacturing vs distribution responsibilities
Domestic and international exposure considerations

Commercial Auto & Logistics

Fleet vehicles and delivery trucks
Hired and non-owned auto exposure
Dealer plates and test-drive exposure (where applicable)

Workers’ Compensation

Manufacturing, assembly, and warehouse classifications
Safety program and loss-control coordination
Employer liability protection

Umbrella & Excess Liability

Added protection over GL, auto, and employers liability
Often required by contracts, vendors, or customers

Specialty Coverages

Often critical depending on operations

Depending on how you operate, we may recommend:

Product Recall Insurance – notification, disposal, and reputation management
Equipment Breakdown – production machinery and electrical failure
Inland Marine / Stock Throughput – goods in transit and storage
Cyber Liability – ERP systems, ransomware, payment fraud
Crime Coverage – employee theft, funds transfer fraud
Pollution Liability – manufacturing byproducts and disposal exposure
Professional / Tech E&O – design, specs, or consulting exposure
Trade Credit Insurance – customer non-payment risk (when applicable)

Where losses and disputes arise

Dealers, distributors, and manufacturers face layered exposure, including:

Fire, storm, or catastrophic property loss
Inventory damage or spoilage
Product defects and liability claims
Supply chain interruption
Equipment breakdown and production downtime
Employee injuries in warehousing or production
Transportation and logistics losses
Contractual risk transfer and indemnity issues

We focus on how goods move from production to end user—and where risk transfers along the way.

Why Republic Insurance Group

A supply-chain-aware approach to insurance

We understand that risk doesn’t stop at your front door—it moves with your product.

Our process:

1. Operational mapping
We analyze how products are made, stored, shipped, and sold.

2. Risk transfer alignment
We review contracts, vendor terms, and indemnification language.

3. Coverage coordination
Property, liability, auto, and specialty coverages aligned to avoid overlap or gaps.

4. Claims advocacy
Support through complex losses involving inventory, logistics, or product allegations.

What clients value most:

Clear explanations without jargon
Coverage that responds when inventory and production are on the line
Long-term partnership, not transactional quoting

Industry Segments & Business Models

Common accounts we insure

Heavy equipment and machinery dealers
Building materials and supply distributors
Agricultural equipment and supply companies
Manufacturing and fabrication shops
Wholesale distributors and import/export firms
Regional dealer networks & local auto groups
Industrial service and parts suppliers

Frequently Asked Questions

1) What’s the difference between distributor and manufacturer liability?
Manufacturers often face design and production exposure, while distributors face product handling and representation exposure. Coverage must reflect that distinction.

2) Is product liability included in general liability?
It can be, but limits, exclusions, and endorsements matter—especially for higher-risk products.

3) Are goods covered while in transit?
Not always. Inland marine or stock throughput may be required.

4) What if we store inventory outdoors or off-site?
Special coverage considerations may apply.

5) Do dealers need different coverage than distributors?
Yes. Dealer plates, demonstrations, and customer interaction introduce additional risk.

6) Is cyber insurance really necessary for manufacturers?
Increasingly yes—production systems and supply chains are frequent ransomware targets.

7) How often should coverage be reviewed?
At least annually, or when products, suppliers, or distribution methods change.

Insurance built for businesses that move the economy

From dealers and distributors to manufacturers and fabricators, Republic Insurance Group delivers insurance programs designed for operational reality and long-term resilience.