Stock
Insurance
What is Stock Insurance?
Stock Insurance protects your business’s inventory from risks such as theft, fire, flood, and accidental damage. Whether you store stock in a warehouse, retail store, office, or at home, this insurance ensures you won’t be left out of pocket if the unexpected happens.
For retailers, wholesalers, manufacturers, and e-commerce businesses, Stock Insurance is a must-have to safeguard business continuity and prevent financial loss.
Who Needs This?
Any business that holds physical stock should have insurance in place. This includes:
- Retailers & Shop Owners – Cover stock in-store against theft, fire, or accidental damage.
- Warehouses & Distributors – Protect bulk inventory from floods, fires, and break-ins.
- E-commerce & Online Sellers – Whether stock is stored at home, in a warehouse, or with third-party logistics providers.
- Manufacturers & Suppliers – Cover raw materials, finished products, and parts.
- Tradespeople & Contractors – Protect valuable tools, equipment, and materials in transit or on-site.
Why is it Important?
Stock is one of the most valuable assets of any business. Without insurance, a single incident could leave you unable to fulfil orders, losing customers, and suffering financial losses.
Common risks that stock insurance protects against include:
- Fire Damage – Covers losses due to fires in warehouses, shops, or storage units.
- Theft & Burglary – Protection against break-ins, shoplifting, or employee theft.
- Flooding & Water Damage – Covers stock affected by burst pipes, floods, and storm damage.
- Accidental Damage – Covers drops, spills, and transportation mishaps.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Stock Insurance policies typically include:
- Stock Replacement Costs – The cost to replace damaged, stolen, or lost stock.
- Stock in Transit Cover – Protection when goods are being delivered or moved.
- Seasonal Increase Cover – Higher cover limits during peak trading seasons.
- Business Interruption Cover – Compensation for lost income if you can’t trade due to stock loss.
What's Not Covered
- Damage caused intentionally or through negligence.
- Wear and tear, gradual deterioration, or depreciation.
- Stock left unprotected or in unsafe storage.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Stock cover you for?
Stock Insurance protects your inventory against risks like fire, theft, flood, or accidental damage. Insurably® provides tailored cover that gives you peace of mind—so you can focus on running your business without the stress of unexpected losses.
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