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What is stock insurance?

Stock insurance is an important addition to your insurance package. If you’re a shop owner, you’ll rely on stock to keep your business running. So, you’ll need an insurance policy in place to ensure your stock is protected in the event that it’s lost, stolen or damaged. That way, you can replace or repair it quickly. This type of cover can be added as an extension to your business contents policy.


Do I need stock insurance?

Having this type of cover is essential for small businesses if you rely on selling stock to function. If your products were lost, stolen or damaged, your insurer would pay for it to be replaced at wholesale price. You can add this protection to your current insurance package:

  • Manufacturers
  • Traders
  • Contractors
  • Offices
  • Pubs and restaurants
  • Cafes and coffee shops
  • Fish and chip shops and takeaways
  • Hairdressers & beauty salons.

In some cases, stock may be covered as standard if you take out a shop insurance package. You can find out by doing a quote.

What does stock insurance cover?

Adding this extension to your business insurance policy will protect your items against loss, damage and theft. With this type of insurance, you can build a policy to suit your needs:

  • General stock: This protects the standard stock that your business deals with on a daily basis. For instance, if you’re in clothes sales, any clothes you stocke would be protected.
  • High risk stock: This type of cover is for high value stock, such as cars or high-end jewellery, so the price is typically higher. Insurers often ask that you increase the physical security of your premises - for instance installing door and window locks - as a condition of cover.

If anything happens to your products, you will receive a financial reimbursement from your insurer.

What are the limits and exclusions to stock insurance?

As with any policy, stock insurance has conditions you need to adhere to, to ensure it stays valid. This is because certain changes alter the risk of your stock being stolen or damaged., which means the price may change. Here are examples of potential policy conditions:

  • Inform your insurer if your stock level grows in value or quantity
  • Inform your insurer if the location in which your stock is stored or sold changes
  • Your stock may need to be stored in a certain way

Make sure to keep your insurer updated on any changes to your circumstances, otherwise your policy could voided. Check your policy documents for more information about exclusions.

Protect your business now - call us on 0800 188 4976

Our experts will compare quotes from the UK’s most trusted insurers and adapt your insurance to suit the needs of your business.

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