Learn more about Westfield’s propriety line of commercial solutions for construction, distribution, hospitality, health & human services, real estate and more.
The Commercial Line
For an agent or an underwriter, a distributor is not typically a difficult risk to evaluate. The client buys products from a manufacturer or another distributor, stores them in a warehouse, and re-sells them to retailers. If there is a U.S. product liability claim, normally the distributor will bring the manufacturer of the product into the case as a defendant (if the plaintiff has not already done so), and claim indemnity from the manufacturer as the party at fault.
Distributors are typically merchants or intermediaries that sell products to industrial and commercial users, as well as resale/retail stores and dealers. Although all distributors might fit this basic description, their actual operations can be very unique.