It protects a business against financial loss from damaged, stolen, or destroyed raw materials, work-in-progress, and finished goods. Unlike general property insurance, which might cover the building and machinery, stock insurance focuses on safeguarding the business’s movable assets—its stock—from a range of perils including fire, theft, natural disasters, and even riots.

Stock Declaration Policies:

Ideal for businesses with fluctuating inventory levels (such as seasonal spikes). You declare your actual stock value monthly, and your annual premium is adjusted based on the average—preventing you from overpaying.

Multi-Location Floaters:

Perfect for companies operating multiple warehouses, storefronts, or distribution hubs, allowing coverage to shift dynamically across locations under a single umbrella.

Goods in Transit Add-ons

Standard policies protect stock at a fixed location. If your products spend a lot of time in transit via shipping or delivery trucks, a transit rider ensures coverage on the road.