{"id":23239,"date":"2023-03-16T12:04:48","date_gmt":"2023-03-16T12:04:48","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=23239"},"modified":"2024-06-05T16:36:27","modified_gmt":"2024-06-05T15:36:27","slug":"stock-insurance-explained","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/stock-insurance-explained","title":{"rendered":"Does your business need stock insurance?"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2023\/03\/stock-room-insurance-shutterstock.png\" alt=\"A forklift loads vital goods into a lorry, which can be protected with stock insurance.\" class=\"wp-image-23241\" style=\"width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2023\/03\/stock-room-insurance-shutterstock.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2023\/03\/stock-room-insurance-shutterstock-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>Stock is the lifeblood of dozens of industries.<\/p>\n\n\n\n<p>Retail, fashion, manufacturing, consumer electronics, craftsmen. Having the right stock at the right time is crucial to having a successful business.<\/p>\n\n\n\n<p>But what if something happens that interrupts the usual flow of stock? It could be a global shortage of something, a fire, a flood, theft, or even a broken-down lorry.<\/p>\n\n\n\n<p>Whatever the problem is, it\u2019ll cause big headaches for you.<\/p>\n\n\n\n<p>Near the top of the list is replacing the stock. With <a href=\"https:\/\/tradingeconomics.com\/united-kingdom\/inflation-cpi\" target=\"_blank\" rel=\"noreferrer noopener\">inflation topping 10% in the UK in early 2023<\/a>, this could set you back \u00a3thousands.<\/p>\n\n\n\n<p>Not to mention that you might struggle to serve your customers in the short term.<\/p>\n\n\n\n<p>Sound like something that might keep you up at night? Then you probably need <a href=\"https:\/\/www.policybee.co.uk\/stock-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">stock insurance<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much stock should you put in insurance?<\/h2>\n\n\n\n<p>As a business, it\u2019s easy to chalk stuff off as an \u2018extra expense\u2019.<\/p>\n\n\n\n<p>After all, you already have so many other things to pay for. Especially given the rising costs of running a business. Higher rents, expensive energy bills, customers spending less money&#8230;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lloydsbankinggroup.com\/insights\/the-top-challenges-for-uk-smes-in-2023.html\" target=\"_blank\" rel=\"noreferrer noopener\">82% of small business owners<\/a> have said that rising costs are having a negative impact on their business in 2023.<\/p>\n\n\n\n<p>With the state of the economy, it\u2019s fair to consider whether stock insurance is worth the expense.<\/p>\n\n\n\n<p>The easiest way to decide whether it\u2019s worth it is to think about how reliant your business is on its stock:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the stock you have stored now was destroyed, what would happen?<\/li>\n\n\n\n<li>How much would it cost you to get back on your feet?<\/li>\n\n\n\n<li>Would you be able to continue trading?<\/li>\n\n\n\n<li>Would you have to close your doors while you wait for new stock to arrive?<\/li>\n\n\n\n<li>Do you have times of the year when you store more stock, like Christmas or Halloween?<\/li>\n<\/ul>\n\n\n\n<p>These kinds of questions are important to think about.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hope for the best, prepare for the worst<\/h2>\n\n\n\n<p>While you might be paying a small premium now to protect your stock, you\u2019re securing your finances in the future if the worst were to happen.<\/p>\n\n\n\n<p>For many businesses, especially smaller ones, a stock problem would cause both short and long-term problems.<\/p>\n\n\n\n<p>In the short term, you might struggle to service customers or send out products. In the long term, you\u2019d have to pay to replace your stock, maybe even at a more expensive rate if you needed it quicker.<\/p>\n\n\n\n<p>The right insurance can get rid of the financial stress that a stock disaster can bring.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get the right insurance<\/h2>\n\n\n\n<p>At this point, you\u2019ve probably realised that you need to be insuring your stock. But what\u2019s the best way to do that?<\/p>\n\n\n\n<p>Well, the short answer is: some kind of stock insurance. It\u2019s designed to pay to replace any of your stock that is damaged or stolen.<\/p>\n\n\n\n<p>A lot of insurers will allow you to buy standalone cover for your stock. But it\u2019s more common to include it as part of your <a href=\"https:\/\/www.policybee.co.uk\/business-contents-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">business contents insurance<\/a>. That way, all your cover for the things you rely on to run your business is in one place. You can also tie it into your <a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">public liability<\/a> or <a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional indemnity<\/a> insurance.<\/p>\n\n\n\n<p>It really depends on what makes the most sense for your business.<\/p>\n\n\n\n<p>As well as covering the stock that you store at your main premises, it\u2019ll also cover your stock when it\u2019s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In transit to you. Just remember that your stock isn\u2019t covered once you ship it out to a customer.<\/li>\n\n\n\n<li>At the home of a director, partner, or employee of your business.<\/li>\n\n\n\n<li>At a location where you\u2019re attending a promotional event or expo.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Take stock of your situation<\/h2>\n\n\n\n<p>We already talked about the state of the economy earlier. So you\u2019re probably wondering \u2018how much is stock insurance going to set me back?\u2019.<\/p>\n\n\n\n<p>Well, it\u2019ll depend on a few things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The amount of cover you need<\/li>\n\n\n\n<li>What your business does<\/li>\n\n\n\n<li>Your annual turnover<\/li>\n\n\n\n<li>How much stock you have at any one time<\/li>\n\n\n\n<li>Where you store your stock<\/li>\n\n\n\n<li>What kind of stock you have<\/li>\n\n\n\n<li>Whether you do any work outside the UK.<\/li>\n<\/ul>\n\n\n\n<p>Another important thing to remember is that you should have enough cover to replace your entire stock inventory.<\/p>\n\n\n\n<p>If you don\u2019t, a claim could leave you <a href=\"https:\/\/www.policybee.co.uk\/blog\/consequences-of-underinsurance\" target=\"_blank\" rel=\"noreferrer noopener\">underinsured<\/a>. You\u2019d have to pay the difference to replace the stock that isn\u2019t covered. And some insurers will even reduce your claim amount if it turns out that you\u2019re underinsured.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Easy does it<\/h2>\n\n\n\n<p>Protecting your stock doesn\u2019t have to be complicated. And it definitely doesn\u2019t have to be expensive.<\/p>\n\n\n\n<p>For more information, take a look at our <a href=\"https:\/\/www.policybee.co.uk\/stock-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">stock insurance<\/a> page. Or if you have any burning questions, you can give us a call on <strong>0345 561 0320<\/strong>.<\/p>\n\n\n\n<p><em>Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stock is the lifeblood of dozens of industries. Retail, fashion, manufacturing, consumer electronics, craftsmen. Having the right stock at the right time is crucial to having a successful business. But what if something happens that interrupts the usual flow of &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/stock-insurance-explained\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[287,290,132],"tags":[137,150,279,140,278],"class_list":["post-23239","post","type-post","status-publish","format-standard","hentry","category-more-business-insurance","category-self-employed-and-freelance-advice","category-small-business-advice","tag-insurance-explained","tag-managing-risk","tag-retail-insurance","tag-running-a-business","tag-stock-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Does your business need stock insurance?<\/title>\r\n<meta name=\"description\" content=\"Does your business need stock insurance? 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