Retail & Wholesale

At American Hardware, we realize your retail & wholesale business has special insurance needs. That's why we've developed a program that is as simple as 1, 2, 3:

1. Customized Coverages
Our programs include custom coverages designed to meet your unique and specific needs.

2. Professional Sales Representatives
Our experienced, professional sales representatives specialize in writing business insurance and will take the time to meet with you in person to discuss your coverage needs. 

3. Excellent Customer Service
We recognize that providing excellent customer service begins with knowing and meeting the unique needs of your business. 

Together, American Hardware's professional sales representatives, customized coverages and excellent customer service provide retail & wholesale businesses with one of the best insurance programs anywhere.

As you consider Business Insurance by American Hardware, the information on this page will help you understand the basics of our Retail & Wholesale Industry coverage. And of course, your American Hardware sales representative is always there to discuss your needs and how we can help you better protect your business.

Coverage starts with the standard industry coverage forms. Then our special coverage extensions and additions begin.

Property

• Building Ordinance or Law Coverage
• Business Income, including Extra Expense Coverage
• False Pretense
• Off Premises Coverage for Business Personal Property including Property in Transit

• Pollutant Cleanup/Removal
• Accounts Receivable and Valuable Papers Coverage
• Earthquake Coverage*
• Flood and Water Back-up Coverage*

Liability

• Employment Practices Liability Insurance
• Fellow Employee Coverage
• Product Recall Expense Coverage up to $50,000
• Employee Benefit Liability
• Host Liquor Liability

Other Coverages

• Daily Rental
• Special Events Liability
• Workers’ Compensation
• Homeowner
• Trucking Operations
• Commercial Umbrella
• Pollution (Expanded) Liability
• Life Insurance
• Directors & Officers Liability
• Bonds (Dealer)
• Ocean Marine
• Personal Auto

American Hardware and our sales representatives are experienced in writing customized coverage for the retail & wholesale industry.  We assess your insurance needs through a comprehensive survey and analysis of your business. We focus on:

Getting to know your business
Our professional sales representatives will sit down and meet with you in person to get to know you and your business. Through the survey and analysis of your business, we'll be better able to help you define your business needs to ensure proper coverage.  

Evaluating your current coverage
A thorough analysis of your current policies and coverages can identify limitations that put your business at unnecessary risk.  

Identifying appropriate coverage
We know business insurance so you don't have to. American Hardware's experience in the retail & wholesale  industry and in writing business insurance means we can help you get the exact coverage you need.  

Loss control
Your sales representative is trained in loss control and will help to identify ways to minimize your business' exposure to loss.    

Our sales representatives design and recommend a professional business insurance plan that provides the protection you need.  

American Hardware’s focus first and foremost is customer satisfaction. We recognize that satisfaction goes beyond low prices and minimum coverage. Satisfaction is a reflection of how you are treated, and it includes:  

Fast, efficient claims service
Claims can be submitted 24 hours a day, seven days a week, with a claims adjuster contacting you within 24 hours of the claim being reported. Our philosophy is to provide customers with as much assistance as possible to make sure their experience during a claim is not disruptive to their business.    

Responsive customer service
Licensed, knowledgeable and highly trained customer service reps are prepared to answer questions and assist customers whenever possible. Real-time changes to policies are only a phone call away.  

Agency support
Special coverage unique to your business is not a problem for our in-house agency. Working with us allows all of your insurance needs to be handled through one company and one sales representative.    

We believe in treating customers in a professional, respectful and honest manner. Total satisfaction is our goal, and we strive to achieve it with all of our customers.  

As a businessowner, you know the value of hiring the right people with the right skills to help make your business successful. Although you can't really know if that candidate for your newest job opening is the one, you can help reduce the risk of hiring someone with a criminal record by performing a criminal background check.

Fast, easy, affordable background checks
As an American Hardware policyholder, you can help reduce your exposure to some of the uncertainty that comes with the hiring process. American Hardware Mutual Insurance has teamed up with IntelliCorp Records Inc. to provide customers with pre-employment background checks at a reduced cost.

A leading national provider of background checks, IntelliCorp has packaged some of its most popular products at a reduced rate, which include:

• Nationwide Criminal Search
• 50-State Sex Offender Registry
• Social Security Address Check
• Terrorist Search – Identifies people and organizations involved in terrorism and international narcotics.
• Assists in meeting OFAC requirements.
• One Single-County Check – Criminal records held at a county-seat level that generally include felony and/or misdemeanor records. Useful when a more comprehensive and/or current database search is necessary.

It's easy to get started. Simply visit IntelliCorp's Web site and follow the registration instructions. To receive your reduced-cost pre-employment background check, enter promo code MIGAHM when prompted.

Workplace safety is a huge issue for every company. Your responsibilities—and challenges—as a manager or business owner vary depending on industry, organization size, culture, and many other factors. But your fundamental mission remains the same—to protect your company’s greatest assets: your people and your profits.

Safety training promotes safety awareness and gives your employees the knowledge and confidence they need to do their jobs while remaining safe at all times.

American Hardware has identified PureSafety as the leading source of online safety training courses. PureSafety offers numerous courses, many of which are available in multiple languages, and new titles are being added all the time to meet your ever-changing training needs.

Please contact your American Hardware sales representative to discuss your business' unique training needs.

For individual course information or to register and take online safety classes, please visit the PureSafety Web site at www.puresafety.com.

*Some coverages may be limited or not available in some states.

No coverage is provided by this Web site. This Web site only illustrates coverages offered under the American Hardware Retail & Wholesale Program. It is not a statement of all policy coverages, provisions, conditions, or changes. Certain deductibles, provisions and limits may apply. Please see your American Hardware sales representative for a complete listing of policy coverages and provisions. If there is a conflict between this Web site and the policy, the policy provisions shall prevail.