Wholesale businesses bring together valuable stock, customer collections, staff and deliveries. We help you set out the whole operation for suitable commercial insurance markets, including multiple units and changing stock levels.
Established 1963 · Independent brokers · FCA firm reference 300694
Provide stock values at cost, including seasonal peaks, high-value goods and stock stored away from your own units. Identify wines and spirits, imported goods or other stock needing specific consideration. Ask us to compare the scheduled site amounts and any shared limits.
Tell us about refrigerated stock, its maximum value, the refrigeration equipment and maintenance arrangements. Deterioration following equipment failure must be checked separately from ordinary stock damage cover, including alarm, temperature-record and excess conditions.
Explain walk-in trade, loading and collection arrangements, own-label goods and any importing or repackaging. Public, products and employers’ liability depend on the activities accepted and the policy wording. Tell us where your products are sold or used.
Share turnover, wage roll, cash-handling arrangements and delivery operations. We can discuss money, goods in transit, fleet and business interruption alongside the main commercial combined quotation, identifying separately arranged covers.
ABI guidance describes insuring business stock at cost rather than its sale price. Send your current values, peak holdings and the policy’s valuation basis. We can discuss how the proposed wording treats your goods and any special categories.
Yes. Send each address, activities, stock categories, peak values and current schedules. We can discuss multi-site arrangements and explain how any location limits, shared limits and separately arranged stock deterioration cover operate.
Further reading: ABI: stock, contents and equipment. Your quotation and policy wording determine the cover offered.
The available cover and premium depend on your circumstances, insurer acceptance and policy terms. Savings and price matching are not guaranteed. Uploading documents does not put cover in force.
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