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These companies distribute electrical equipment to commercial operations and commercial builders, as well as to retailers who sell electrical equipment to the general public. Generators, wiring supplies, light fixtures, bulbs, electrical construction materials, power equipment and major appliances may be distributed. Items may have domestic and/or commerical uses.

General Liability Insurance for Electrical Equipment Distributors – Premises liability risks should be minimal at electrical equipment distribution locations unless customers are allowed on site for purchasing their own equipment. In this case, customer access should be limited to specified areas only. Slip and fall hazards can be reduced by a number of common sense practices. Good housekeeping requires visitor areas to be neat and orderly, free of obstructions and debris, and defect free floor coverings. Loading docks should be easily accessed and in good repair. If equipment is ordered directly from foreign countries, then products liability risks are increased and the US distributor will have the same product liability risk as a manufacturer.

Workers’ Compensation Insurance for Electrical Equipment Distributors – If machinery or equipment is used for lifting and conveying goods at electrical equipment distribution centers, appropriate training should be provided. Proper OSHA training should be provided for forklift safety for all forklift operators. Training should also be required for anyone who lifts heavy objects or loads and unloads equipment. Employees should remain in good physical condition to help prevent injury.

Business Auto Insurance for Electrical Equipment Distributors – Business auto risks are high due to the delivery of electrical equipment. Auto risks are increased if outside salesmen are employed as well. All vehicles should remain in working order and be serviced often. Service records should remain on file. Driving applicants should be screened prior to hire and commercial driver’s license will be required in many cases for electrical equipment distributors. Delivery drivers should be appropriately trained to operate delivery vehicles. All drivers should have their MVRs checked each year for acceptable driving records.

Property Insurance for Electrical Equipment Distributors – The property insurance risks involved with electrical equipment distributors depend greatly on the type of equipment sold. For example, construction equipment is likely to be much more durable than medical equipment to the effects of weather, heat, water, fire and smoke. If fuel is stored at the distribution center for forklifts and delivery vehicles, then fire risks will be increased. Fuel should be stored away from the warehouse or in a separate building. Adequate smoke detectors, suppression systems, and protective devices should be used accordingly. If the equipment is in high demand, then the risk of theft will be greater. Appropriate security systems should be in place.

Crime Insurance for Electrical Equipment Distributors – Security systems and cameras for electrical equipment distributors should be used to help prevent employee theft. Employee theft is greater when the electrical equipment includes popular and valuable items. Prospective employees should be required to undergo pre-employment screening including reference checks, background checks, and detailed applications. Employees who place the equipment orders should not be in charge of inventory controls.