Distribution businesses carry inventory value and vehicle exposure that a lot of standard policies weren't built around — a warehouse full of product, a fleet moving it, and every handoff in between.
Get Started →Your inventory is often your single largest asset, sitting in one place and exposed to theft, fire, or water damage all at once. Standard property coverage doesn't always reflect how much value moves through a warehouse on a given day.
Once goods leave the warehouse, a different set of exposures takes over — vehicles, drivers, and liability for goods in transit that a typical commercial auto policy may not fully address without the right add-on coverage.
Coverage needs vary by what you distribute and how you move it — these are the types that come up consistently.
Arizona's position along major interstate corridors has made it a meaningful logistics and distribution hub in the Southwest, which is worth keeping in mind if your business ships beyond state lines — coverage and compliance considerations can extend past Arizona depending on your routes.
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