Stock

Goods held in warehouses, depots or reserve, with the particular features of the premises and storage conditions.

Risk Profile

  • Stock Density: High

  • Fire Exposure: Critical

  • Customer Liability Exposure: Significant

  • Market Conditions: Variable

Determining Factors

  • Adequate Fire Protection Systems

  • Controlled Storage Height & Racking Management

  • Customer Flow Management

  • Accurate Maximum Declared Value (MDV)

Coverage Lines

  • Commercial Property (Material Damage)

  • Operational Public Liability

  • Theft & Malicious Damage

  • Business Interruption

  • Natural Catastrophe (Nat Cat) Coverage

Key Underwriting Considerations

  • Storage Height & Racking Configuration

  • Stock Density & Aggregation Exposure

  • Peak Trading Season Exposure (e.g. Christmas Period)