Retail & Wholesale Business Insurance

Whether selling direct to consumers or to another business, retail and wholesale businesses face a variety of exposures, including product liability, damage to business property, supply chain interruptions, employee injuries, cyber threats and more. Having the right insurance can help protect your business from financial loss when the unexpected happens.

Custom Retail & Wholesale Business Insurance Solutions


Berkley has decades of experience in providing insurance solutions to help retailers and wholesalers manage various business exposures. From small to large operations, we can tailor coverages to address your individual insurance needs. 

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Retail & Wholesale insurance needs.

We Help Protect Your Retail & Wholesale Business Operations

Berkley’s risk management resources can help you manage and minimize your risks by providing tools to improve your fire safety protocols, slip and fall management procedures, contractual risk transfer, ergonomics, material handling and more. Our online claims technology capabilities and expertise can assist you through the claims process and solve challenging claims.  


Our Retail & Wholesale business insurance products include but are not limited to the following: 

  • General Liability 

  • Commercial Auto 

  • Property 

  • Business Income & Extra Expense  

  • Data Breach & Cyber Liability 

  • Equipment Breakdown 

  • Inland Marine 

  • Workers’ Compensation and Employers Liability 

  • Umbrella and Excess Liability 

  • Management and Professional Liability  

  • Property & General Liability Specific Coverage Enhancement designed for retail and wholesale operations  

Types of Businesses We Serve

Berkley serves a wide range of retail and wholesale businesses, including but not limited to the following: 



  • Appliances, home furnishings and office supply  

  • Automobile parts and supplies  

  • Grocery, bakeries, candy, and confectionery  

  • Barber and beauty supply  

  • Clothing and apparel  

  • Computer and electronics  

  • Florists 

  • Hobby, craft, and variety  

  • Home improvement  

  • Internet retailers 

  • Medical, hospital, and surgical supply  

  • Pet  

  • Yard and garden equipment


  • Air conditioning and refrigeration equipment 

  • Automobile parts and supplies 

  • Food and beverage 

  • Barber or beauty shop supplies 

  • Building material and wood products  

  • Durable goods 

  • Gardening and light farming supplies 

  • Household, home furnishings and office machines and supplies 

  • Equipment, fixtures, and supplies 

  • Floor covering 

  • Hardware and tool 

  • Hearing aid and optical goods 

  • Hobby, craft, or artists supply 

  • HVAC equipment 

  • Janitorial supplies 

  • Machinery or equipment dealers 

  • Paint and wallpaper 

  • Printing supplies 

Berkley Locator

See how Berkley can help

Choose an industry and/or product to find the best Berkley solution for your needs. Or click Search to view all Berkley insurance providers.

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.