Warehouse stock
Inventory at your premises, valued for peak rather than average.
Business Insurance
Wholesale and distribution insurance for stock on the move.
Stock sitting in a warehouse, stock on a truck, and stock at a customer awaiting acceptance. Each is covered by something different.
Distributors carry large inventories that move constantly, and the insurance has to follow the goods rather than sit at one address. Warehouse property, goods in transit and products liability together cover the journey from supplier to customer.
Peak stock, transit and warehouse legal liability
Inventory values swing with the season and with container arrivals. A limit set against average stock leaves you short at exactly the wrong moment, and coinsurance can reduce even partial claims when values are understated.
If you hold goods belonging to customers, warehouse legal liability covers property in your care that you do not own. Ordinary contents cover does not extend to it, and it is a common gap for distributors offering storage.
What it covers
The parts of a wholesale and distribution insurance policy
Goods in transit
Stock moving inbound and outbound, on your fleet or a carrier.
Warehouse legal liability
Customer-owned goods you store, which contents cover excludes.
Products liability
Harm caused by goods you distribute, including imported product.
Working with us
What we do differently
We are an independent agency, so we place your wholesale and distribution insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Insure to peak inventory, especially around container arrivals
- Add warehouse legal liability if you store customer-owned goods
- Check transit cover applies whether you haul or use a carrier
Common questions
Wholesale and Distribution Insurance, answered
Is stock covered while in transit?
Only under transit or inland marine cover. Property insurance stops at your premises, and a carrier's liability is usually limited well below the value of the goods.
What if I store goods for customers?
Warehouse legal liability covers property in your care that you do not own. Standard contents cover addresses your own stock only, so this is a frequent gap.
Do distributors need products liability?
Yes. Claimants can pursue any party in the chain, and distributors of imported goods are often the practical defendant where the manufacturer is overseas.
Related cover
Often arranged alongside this
Product Liability Insurance
Everyone in the chain can be named — maker, importer, distributor and the shop that sold it. Being the last link is not a defence.
Read moreInland Marine Insurance
Commercial property cover stops at your premises. Inland marine covers everything your business takes with it.
Read moreCommercial Property Insurance
Property cover repairs the building and replaces the contents. Business interruption replaces what you could not earn while that happened — and it is usually the larger number.
Read moreReady for a wholesale and distribution insurance quote?
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