Business Stock Insurance

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A guide to business stock insurance

If your business needs to store stock on its premises, you should arrange protection through a specialised stock insurance policy. In the unfortunate event that your stock is damaged, lost or stolen, stock insurance will provide the protection you need. This guide will explain how to find the best insurance at the cheapest prices.

What is stock insurance?

The content of your business premises will always be at risk of theft and damage, although you can try and minimise these risks. Installing security systems and ensuring you stock is as protected as possible will reduce the likelihood of an incident. However, it is impossible to eliminate every risk and losing your stock could have a significant impact on your business’ finances.

Stock insurance is available to put your mind at rest and will cover the cost of any claims you may need to make. For example, if you run a retail store which suffers a theft or damage, shop stock insurance will cover the cost of replacing your stock

It is worth noting that in the event of a claim, you will be compensated for the wholesale price of the stock. Although you may decide to purchase stock insurance as a standalone policy, there are many other forms of business cover. It is possible to arrange a combined business insurance policy which includes a selection of cover types.

Do I need any other forms of business insurance?

There are other forms of insurance which can improve your businesses protection, if purchased alongside stock insurance. For example:

Business interruption cover

This will provide cover for any income you lose whilst your business is disrupted. If your stock is lost it is likely that your business will be unable to trade at its usual level. You could be compensated for any potential profits you have missed out on.

Building insurance

If you own your premises, this type of insurance will cover the cost of repairing or rebuilding your insurance following an incident. This could be particularly useful if the building is damaged at the same time as the stock loss.

Business contents insurance

This is available to cover your business for any loss or damage to the contents of your premises. For example, damaged equipment and furniture.

How do I find the best stock insurance quotes?

There are many examples of stock insurance companies, however we have partnered with some of the most well-known trusted providers. The cost of stock insurance will vary depending on the value, quantity and risks associated with your business. Although, our team are here to help you find the best deals. To begin simply enter your details into our online form, we will then arrange quotes from our panel of insurers.

You will then be provided with a range of quotes to compare based on your unique requirements. If you are happy to proceed with any of the quotes, we will be able to help guide you through purchasing your stock insurance cover. It is important you check through the various points within the policy once you purchase your policy. There will be some terms and conditions which you will need to follow to ensure your cover is valid.

For example, your stock may need to be stored in a certain way. You may also be required to update your insurer if your stock levels change, to ensure you are covered for the increased value. To find out more about the range of business policies which are available to your business, please contact our team. We will be happy to discuss your requirements so that you can find the ideal solution.

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