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Insurance Covering Wholesalers and Distributors
You may offer your customers the value of a broad range of goods from a host of suppliers. What would
happen if you couldn't deliver the goods? What if:
Coverages Tailored for Your Needs
Just before your peak season, your warehouse stocked to capacity, a fire
destroyed your entire inventory. Do you have enough property coverage for the
increased inventory values?
A carrier you've hired to deliver your merchandise flips and bursts into
flames. Would you be covered for your loss of goods? At Professional Insurance Associates we work with the \
National Association of Wholesaler-Distributors
(NAW) to offer wholesaler-distributors comprehensive insurance coverages
tailored to your size and scope - whether a small local supply business or a
large multi-state distributor - so you can concentrate on meeting the needs of
Here are examples of coverages you can consider:
Other Important Coverages Available
Accounts Receivable. Protects you from the inability to collect outstanding
balances as a result of loss or damage to your account records from a covered
cause of loss.
Business Income from Dependent Property. This coverage provides increased
protection under the Business Income Dependent Properties section of our
policy. In addition, this coverage extension applies to unscheduled dependent
Computers and Media. Provides coverage for your computers, peripheral devices
and media. Coverage is also provided for the costs to research, replace or
repair lost or damaged data or software when it is caused by covered damage to
computer equipment, electrical or magnetic injury caused by certain power
failures, or a computer virus. Business Income Coverage, if purchased, also
applies to computer equipment, data and software.
Employee Dishonesty. Covers your business for loss of money or property from
dishonest acts by your employees.
Business Income and Extra Expense. Reimburses you for your actual loss of
business income for up to 12 consecutive months during the period of
restoration following a covered loss to your property. Extra expenses needed to
continue your operations, such as renting temporary office space, are also
Hired Auto and Non-Owned Auto. Provides coverage for damages you are legally
obligated to pay due to bodily injury or property damage that occurs during the
use of hired or non-owned vehicles used in your business.
Building and Business Personal Property. Your policy can contains coverage to
repair or replace your building and any equipment, stock, furniture or fixtures
that you own. There's a lot of business property coverage that can be included
Electronic Vandalism. Designed to provide protection against several exposures
connected with your computer equipment and your Web site, including: Malicious
alteration or destruction of media and data, or the introduction of a virus;
and The Denial of Service Attack (an electronic attack designed to overload
your computer or network system, denying e-mail or Web site access by
legitimate business traffic).
Equipment Breakdown. Covers cost to repair or replace equipment, such as
computers, air conditioners, phone systems and steam boilers, from loss or
damage caused by mechanical breakdown or artificially generated electrical
Peak Season. Provides an automatic increase to your insurance limit of up to
25% for business content to cover seasonal variations in your supply inventory
Business Liability. Your policy can provide your business with legal liability
protection against claims of injury or damage caused to others by you or your
employees. For example:
Defense Costs. Pays legal expenses for certain liability claims brought against
your business regardless of who's at fault.
Premises and Operations Liability. Provides coverage for bodily injury and
property damage sustained by others at your premises or as a result of your
Internet Liability. Personal & Advertising Injury on the Internet. Covers
copyright infringement to your Internet advertising. Covers other types of
liability as well, such as defamation or copyright infringement that occurs in
others' advertisements on your Web site.
Commercial Auto Coverage. Protects you against financial loss resulting from
accidents involving the vehicles you use in your business. Professional Insurance Associates offers valuable
enhancements you won't normally find in other commercial auto policies, such as
excess coverage for hired autos and the extension of liability coverage to
vehicles leased in the name of an employee on your behalf and at your
Umbrella Coverage. Gives you up to $10 million of liability protection over and
above the limits of other specified liability policies, including automobile
liability, in your business program.
Workers' Compensation. Workers' Compensation coverage is designed to meet your
business needs. You'll have 24-hour, seven-days-a-week access to our claims
reporting facility. In addition, our state-of-the-art managed care and
Return-to-Work program will help you get your employees back on the job as soon
Please Note: The information contained in this website is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverages, always read the insurance policy, including all endorsements.
Professional Insurance Associates in Carlstadt, NJ --
Professional Insurance Associates is a leading insurance brokerage firm in New Jersey, based in Carlstadt NJ, near Newark NJ and New York City, serving NJ, NY, CT, PA and the entire USA. We at PIA help clients manage their risks in property and casualty, employee benefits, professional liability, and other areas of specialized exposure. In addition, PIA offers a full range of personal and corporate financial products and services. We understand our clients’ businesses, employees and risks, as well as the insurance and financial markets, so we can find them the carriers and coverages that best fit their needs.
Professional Insurance Associates, Carlstadt, NJ, New Jersey, insurance, bonds, accident insurance, health insurance, automobile insurance, contract bonds, excess liability insurance, estate planning, general liability, group medical insurance, group dental insurance, life insurance, risk management
NJ Insurance Leaders: Professionalism You Can Count On
At PIA, this is more than our slogan. It represents our working philosophy...the cornerstone of our success for over 40 years. For you and your organization, it represents a promise of
value-added service through a solid protection plan and personal service that makes your insurance program work. You'll have the security of knowing that a team of insurance and bond specialists is working on your team and that we share a common goal: your ongoing success.
We welcome this opportunity to introduce you to the many features PIA has to offer. No matter what your insurance and bonding needs may be, in NJ, New York or PA, count on us to support your business efforts.
Victor M. Gardella
PIA, Professional Insurance Associates, wants to ensure your business gets the most comprehensive and cost-efficient program available. To do this, we offer value-added service which includes an in-depth, close-up analysis of your total operation.
Our service begins when one of our professionals meets with you to discuss your present staff, equipment and facilities. Then we focus on your current insurance program, checking to see whether you have unnecessary or overlapping coverages and gaps where you may need additional protection. When you allow PIA to perform a close-up analysis of your business, you receive the added value that guarantees that your business will have a strong protection plan, at the least expensive cost.
If your business requires it, we'll conduct a risk evaluation and loss control analysis. Using our staff's expertise, the PIA team will give your business a thorough "going over."
We'll identify risks, analyze claims and we'll determine the most effective methods to manage the risk situations inherent to your business. And we'll recommend what you can do to control losses. By reducing or eliminating risks today, you can help avoid larger premium payments tomorrow.
PIA NJ Professional Insurance Associates serves all of New Jersey, New York, Pennsylvania and beyond.
Our nearby communities include: Wayne NJ, Ridgefield, Clifton, Passaic, Garfield, East Rutherford, Secaucus, The Meadowlands, Teterboro Airport, Wallington, Woodridge, Lyndhurst,
Paterson, Montclair, Nutley, Bloomfield, Belleville, Glen Ridge, Lodi, Hasbrouck Heights, West Orange, Livingston, Newark, Rutherford, Teaneck, Saddlebrook and Paramus.