Stock & transit

Situations combining storage and carriage, where goods move between warehousing and transport.

Risk Profile

  • Value Concentration: Very High

  • Fire Exposure: Major

  • Business Interruption Sensitivity: Critical

  • Market Conditions: Selective

Determining Factors

  • Documented Sprinkler & Fire Protection Systems

  • Controlled Racking Height & Configuration

  • Clearly Identified Maximum Value Concentration

  • Structured Logistics & Operational Framework

Coverage Lines

  • Industrial Property (Material Damage & Business Interruption)

  • Goods in Care, Custody & Control

  • Goods in Transit

  • Business Interruption

  • Operational Public Liability

  • Carrier’s / Logistics Operator’s Liability

Key Underwriting Considerations

  • Racking Height & Structural Configuration

  • Automatic Sprinkler Systems & Fire Protection Adequacy

  • Value Concentration & Stock Aggregation Exposure