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Distributors Insurance in The Chicagoland Area and Across The Midwest

Distributors face risks specific to their industry. Having appropriate insurance can help provide financial protection to help the organization reach its goals.

What Insurance Does a Distributor Business Need?

Distributers usually require multiple insurance policies to help provide proper coverage for common perils. Your agent may recommend some of the following insurance policies:

  • Commercial property insurance
  • Data breach insurance
  • Cyber Liability insurance
  • Business interruption coverage
  • Employment practices liability insurance
  • K and R Insurance
  • Commercial general liability insurance
  • Commercial auto insurance
  • Commercial umbrella insurance
  • Professional liability insurance
  • Equipment breakdown coverage
  • Workers’ compensation insurance
  • Inland marine insurance
  • Ocean cargo insurance

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within particular industries. The most recent statistics from OSHA reveal the top standards cited in the fiscal year 2022 for the wholesale trade industry. This top 10 list comprises establishments engaged in wholesaling merchandise, generally without transformation, and rendering services incidental to the sale of merchandise. The merchandise described in this sector includes the outputs of agriculture, mining, manufacturing and certain information industries, such as publishing.


Description of Violation Cited Standard Number ACV*
1.        Powered Industrial Trucks – Powered industrial trucks include forklifts and fork trucks. This standard’s requirements include operator training, inspections and safe work practices. 29 CFR 1910.178 $3,461
2.        Hazard Communication – This standard refers to the UN Globally Harmonized System of Classification and Labeling of Chemicals. Requirements include developing and implementing a program, recordkeeping, labeling and training. 29 CFR 1910.1200 $1,734
3.        Control of Hazardous Energy (lockout/tagout) – Control of hazardous energy is the practice of de-energizing equipment and locking the energy source to prevent release of energy. Requirements include written procedures, training and periodic inspection. 29 CFR 1910.147 $6,911
4.        General Requirements for All Machines – This standard refers to machine guarding of presses, power saws, jointers and milling machines. Requirements include securing anchoring fixed machinery, operation guarding and types of guarding. 29 CFR 1910.212 $10,348
5.        Respiratory Protection – This standard refers to respirators use to protect employees from hazardous substances. Requirements of this standard include a written program, selection of respirators, medical evaluations, fit testing, safe operating procedures and training. 29 CFR 1910.134 $1,400
6.        General Electrical Requirements – This standard refers to the practice of examining, installing and using electrical equipment of different types, sizes, voltage and current capacity. Requirements include specifications for electrical connections, terminals, guarding live parts and working with 600 volts. 29 CFR 1910.303 $2,790
7.        Wiring Methods, Components and Equipment for General Use – This standard refers to the practice of using the proper methods when wiring different setups. Requirements include following proper methods for temporary wiring, cable trays, electrical cabinets and switches. 29 CFR 1910.305 $2,104
8.        Maintenance, Safeguards and Operational Features for Exit Routes – Exit routes are the path of travel to, through and away from a building in an emergency evacuation. This standard provides the requirements for ensuring that exits at all times remain open, clear and accessible. 29 CFR 1910.37 $4,761
9.        General Personal Protective Equipment (PPE) Requirements – This standard refers to providing, managing and maintaining the proper personal protective equipment for employees. Requirements include identifying required PPE, maintenance, sanitation, replacement and training. 29 CFR 1910.132 $2,209
10.     General Walking/Working Surface Requirements – This standard refers to the practice of ensuring all employment, passageways, storerooms, service rooms and walking-working surfaces are kept clean, orderly and in a sanitary condition. Requirements include access and egress, inspection, maintenance and repair. 29 CFR 1910.22 $4,239


Get the Right Insurance for Your Business

Your company’s needs are unique, so it’s crucial to consult with insurance agents that understand how best to support your organization with the right insurance coverage. Contact Pitcher Insurance Agency today to learn more about specific insurance programs for distributers and get a free second opinion to make sure you have the coverage’s you really need.

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