Inventory & Stock Coverage
The goods you sell and the materials you hold.
Inventory and stock coverage protects the goods your business holds — finished inventory, raw materials, work-in-process, and stock held for sale. For retailers, wholesalers, and manufacturers, inventory is often the largest single class of business personal property, and its value can swing dramatically through the year.
What It Covers
Coverage That Fits Your Property
Inventory and stock coverage protects the goods your business holds — finished inventory, raw materials, work-in-process, and stock held for sale. For retailers, wholesalers, and manufacturers, inventory is often the largest single class of business personal property, and its value can swing dramatically through the year.
Standard BPP covers inventory at the listed location, but inventory-heavy businesses need to think carefully about valuation, seasonal fluctuations, and goods in transit. Getting these right is the difference between full recovery and a painful shortfall after a loss.
Finished goods
Inventory and stock held for sale to customers.
Raw materials
Materials held for use in production or operations.
Work-in-process
Partially completed goods and materials in production.
Peak-season / seasonal options
Higher limits during your busiest selling periods.
Goods in transit
Coverage options for inventory moving between locations or to customers.
Stock at multiple locations
Coverage structured for businesses with more than one site.
Why inventory is the class most often under-insured
Inventory value changes constantly — and a standard BPP limit based on an annual average can leave a retailer badly under-insured during the holiday peak, or a manufacturer short after a large raw-material delivery. We structure inventory coverage with seasonal/peak-season endorsements and accurate valuation (typically selling price less discounts, or cost, depending on the form) so a loss during your busiest time is fully covered.
How inventory & stock coverage is priced
Inventory coverage is rated on the average or peak value of inventory, the valuation basis (cost vs selling price), your industry, the building's protection and security, and your deductible. Inventory-heavy businesses like retail and wholesale pay more because the exposure is larger; peak-season endorsements add temporary capacity during high-inventory periods.
Common Endorsements & Add-Ons
- Peak-season endorsement. Raises inventory limits during your highest-stock months.
- Selling-price valuation. Settles finished-goods inventory at selling price rather than cost.
- Goods in transit. Covers inventory while moving between locations or to customers.
- Spoilage coverage. For perishable inventory — pairs with refrigeration/equipment breakdown.
Inventory & Stock FAQ
Inventory & Stock — Your Questions
Yes — inventory, raw materials, work-in-process, and finished goods are business personal property and covered under BPP for covered causes of loss like fire, theft, and wind. The key is setting the limit correctly and adding peak-season capacity if your inventory fluctuates through the year.
A peak-season endorsement temporarily raises your inventory limit during your highest-stock months — for example, a retailer's holiday season. Without it, a standard limit based on an annual average can leave you badly under-insured precisely when your inventory is highest.
It depends on the policy form and valuation you select. Many policies settle finished-goods inventory at cost; a selling-price endorsement settles it at the price you'd sell it for. We help you choose the valuation that matches how you'd actually be harmed by a loss.
Ready to Cover Your Inventory & Stock?
Get a specialized BPP quote. We shop A-rated carriers and structure the right limits and valuation — usually within one business day.