Stock Throughput Insurance

Protecting Your Cargo & Inventory

Stock Throughput Insurance provides end to end protection for goods as they move through your supply chain and while they are stored at nominated locations.

Designed for importers, exporters, manufacturers, wholesalers, distributors and logistics intensive businesses, this policy consolidates transit and location risks into one seamless program.

What is Stock Throughput Insurance?

Stock Throughput Insurance combines marine transit cover with protection for stock held at storage or processing sites. It safeguards goods against accidental loss or damage during domestic and international transport, as well as while in storage. This policy is specifically designed for goods in transit and also extends to cover Fire and Specified Events at insured locations, with clearly defined benefits and exclusions.

A typical Stock Throughput Insurance policy can provide cover for:

  • Transit Cover:
    Protects your goods while they’re being transported, whether domestically or internationally, and while at insured locations. This helps reduce the risk of loss or damage during the journey.
  • Storage Cover:
    Provides protection for stock while it’s stored, displayed, or in use at nominated premises. This includes accidents, fire, water damage, impact, theft, and other covered events, giving peace of mind while your goods are on site.
  • Basis of Settlement:
    Covers the value of raw materials, work in progress, and finished goods, including replacement costs and any associated labour and overheads where applicable, so you can recover efficiently if a claim occurs.

Who is this type of insurance suitable for?

Importers & Exporters | Manufacturers | Wholesalers & Distributors | Retailers with Distribution Centres | E-commerce & 3PL-enabled Businesses | Project Cargo Owners

Benefits for Supply Chain Driven Businesses

  • End-to-End Protection:
    Instead of managing separate marine cargo and warehouse policies, you have one coordinated solution from supplier dispatch through transit to storage and subsequent distribution. This helps reduce coverage gaps and administrative complexity.
  • Fire & Specified Events at Storage:
    Extends beyond traditional transit insurance by including specified insured events at nominated storage locations. Cover is designed around your stock exposures rather than the building or fixed plant itself.
  • Practical Additional Benefits:
    Stock throughput insurance can include practical extensions to reflect how goods move through modern supply chains. This may cover temporary increases in stock levels, airfreight replacement to minimise disruption after a loss, or costs such as debris removal and duty. All extensions are subject to agreed terms and limits.
  • Clear Exclusions & Conditions:
    As with any policy, certain exclusions apply. Stock throughput insurance does not typically respond to delay or consequential financial loss, unexplained stock shortages, or mechanical breakdown without external damage. Buildings and fixed machinery are also usually outside the scope of cover.
  • Claims Support:
    Claims procedures help you respond quickly and minimise loss, including notification, documentation, mitigation steps and survey arrangements.

Speak to a Coverforce Marine specialist today.

Our marine and logistics specialists work closely with supply chain dependent businesses to assess movements, storage exposures and contract terms, then structure Stock Throughput programs that align with your inventory profile, trading terms and risk tolerance.

For more information or to arrange cover, please contact us or simply fill out the quote form below and a broker will reach out within one business day to discuss your requirements.

Request a Quote

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