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 Stock Insurance?

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 Stock Insurance 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.

What’s Covered in Stock Insurance?

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, you may need additional cover such as:

• Business Building Insurance – Protect your premises alongside stock cover.
• Public Liability Insurance – Cover claims from third-party injuries or property damage.
• Cyber Insurance – Protection for e-commerce businesses against cyber threats.
• Business Interruption Insurance – Income protection if an event disrupts trading.

At Insurably, we have access to 100's of insurer markets meaning that no matter how unique your requirements are, we know where to find the right cover to suit you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.