Wholesale & Merchant Insurance

Whether you’re a wholesale business owner or a merchant, trust us to help you find a policy that meets your expectations.

Howden Wholesale Merchant Insurance

Why choose Howden for wholesale and merchant insurance?

As a broker which specialises in business insurance, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing different business insurance policies, on your behalf, simple and straightforward. What’s not to like?

Here at Howden, our team knows that each policy needs to be as individual as its owner and their business operation, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your insurance.

Whether you need to make a claim, purchase a new business policy, or renew an existing one, just know that we’re here to help.

Benefits of working with Howden:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

What is wholesale and merchant insurance?

Wholesale businesses and merchants that operate in the distribution of the sale of goods face specific risks and liabilities that require protection in the form of insurance. There are many reasons why a wholesale business or a merchant would need to be backed by an insurance policy:

Property protection

Insurance policies can ensure that financial value of warehouses, equipment, inventory, and other valuable assets can be recovered if they were to be damaged or stolen.

Liability coverage

Liability insurance can protect wholesale businesses and merchants from third-party or employee claims for bodily injury or property damage, and legal costs associated with the claims.

Business continuity

Business interruption insurance provides financial support when a covered event, such as a fire or natural disaster, forces the business to temporarily close or relocate.

Legal requirement

Some types of insurance are legally required, and failing to have this coverage can result in substantial fines.

Cyber protection

With the increasing reliance on digital systems, cyber liability insurance helps protect wholesale businesses and merchants from the financial consequences of data breaches, cyberattacks, or other cyber incidents that could compromise sensitive business information.

Here we’ve only outlined just a few reasons why a wholesale business or merchant would want or need to take out an insurance policy. Because after all, every policyholder is different and needs to be covered for their own reasons.

We understand that, and when you come to us looking for advice based on your insurance requirements, our team will provide a bespoke service that’s focused on helping you find that perfect policy.


Get in touch

Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.

Straightforward cover for your factory

We’ve been arranging factory insurance for all sorts of businesses for many years, so let us help you find cover that’s perfect for you.

We’re proud to help all types of hoteliers

We have years of experience helping hotels and guesthouses of all shapes and sizes find an insurance policy that suits their business.

Flexible insurance for the manufacturing and engineering sectors

We offer tailorable manufacturing and engineering insurance policies which are designed to cater for all the complexities that come with these professions.