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Shoe distributors engage in the merchant wholesale distribution of footwear and related items such as socks, shoe laces, hosiery, shoe polishes and shoe dyes. Other fashion accessories, including belts, hats, handbags, gloves and scarves, may be distributed as well. Customers of these distributors purchase shoes for resale in their own retail establishments. One type of shoe, such as boots, sandals or men's shoes, may be the distributor's specialty. Also the distributor may offer several particular shoe brands or may distribute only one specific brand.

General Liability Insurance for Shoe Distributors – If retail space is provided on site at the shoe distribution center, care must be taken for shoes and related merchandise to be secure on shelves to prevent shelving collapse and related visitor injuries. Shipping and receiving areas should be safe in order to prevent injury to delivery drivers and customers, if they are permitted on site. Signs should be used to indicate the areas that are restricted to employees only. When customers are allowed in restricted areas, they must wear protective gear and be escorted by an employee. Products liability risks are not usually a concern unless the distributor purchases shoes from foreign countries.

Workers’ Compensation Insurance for Shoe Distributors – Shoe distribution centers should be set up in an organized fashion to provide a neat and clean work environment in order to prevent slip and fall hazards. Loading docks should be safe and in good repair. Employees should be trained to operate and inspect any equipment and machinery used. Training should also be provided for proper lifting and safety techniques in order to prevent injury.

Business Auto Insurance for Shoe Distributors – Business auto risks are increased as a result of delivery operations. Larger delivery trucks have a higher liability risk than average vehicles as a result of their size and gross vehicle weight. All company vehicles should be in good repair and serviced often. Service records should be kept on file for all company vehicles. Delivery drivers for shoe distribution centers should be trained how to properly operate the delivery trucks. All drivers must have acceptable driving history and their MVRs should be run on an annual basis.

Property Insurance for Shoe Distributors – Popular and expensive shoes will increase the risk of theft for shoe distribution centers. The premises should be enclosed with locked gates and the building should be secured with central station alarms. Shoes are made of fabric and materials that will increase the fire load. If shoe cleaners and polishes are distributed, then the fire potential is increased. These products should be stored away from the shoes and separated by fire walls. Fire suppression systems should be in place. Shoes should not likely be damaged in transit, but they may be stolen. As a result, Inland Marine claims may occur. Transportation vehicles should be monitored and secured to prevent theft.

Crime Insurance for Shoe Distributors – Security cameras should be in place to help reduce employee theft at shoe distribution centers. If name brand shoes are sold, the risk of employee theft is greater. As a result, random inventory counts should be performed in addition to routine inventory counts. A countersignature should also be required on all issued checks. Using locked drawers and safes to secure bank information and checkbooks may prevent theft by outsiders.