Inventory & Stock Insurance
If your business holds inventory, that stock is often your single largest current asset—and one of the most vulnerable. Inventory and stock coverage, a key part of your business personal property, reimburses you when merchandise, raw materials, or finished goods are lost to fire, theft, water damage, or other covered perils. For seasonal businesses and those carrying high-value goods, getting your limits and valuation right is critical to avoiding a painful coverage gap after a loss.
What's Covered
- Covers merchandise and goods held for sale
- Raw materials and finished products
- Seasonal limit adjustments available
- Replacement cost valuation options
- Theft and burglary protection
- Spoilage coverage for perishable stock (where applicable)
- Off-premises and in-transit stock extensions
- Peak-season coverage for inventory build-ups
Common Scenarios
- →A break-in clears out retail merchandise
- →Fire destroys a warehouse of finished goods
- →Water damage ruins raw materials and stock
- →Seasonal inventory is lost just before peak sales
Typical Limits
Set to your average and peak inventory values; seasonal endorsements available
Get a Quote for Inventory & Stock
Our specialists will value your property and structure coverage that fits—comparing multiple carriers within one business day.
Request Free QuoteOther Coverages
Business Personal Property
The core coverage for everything your business owns inside its walls—furniture, equipment, inventory, electronics, and fixtures.
Commercial Property
Broader property protection covering both your building (if you own it) and your business personal property inside it.
Business Equipment
Protect the tools, machinery, and equipment your business depends on—at your location, off-site, or in transit.