Stock Insurance

Insuring your stock can cover the cost of replacement should it be damaged or stolen. A difficulty can arise as stock figures for some businesses may fluctuate significantly – Sutcliffe & Co can get round the risk of underinsurance or the cost of over insurance by building in seasonal fluctuations to your policy.

If you have stock that is perishable or reliant on temperature control Sutcliffe & Co can extend your cover to protect you from risks such as transportation delays or the failure of refrigeration or freezer equipment.

Some types of stock are considered more attractive, therefore more of an insurance risk, for example alcohol, tobacco, precious metals, mobile phones. Make sure you declare valuable items.

The most common way to insure stock is as part of a commercial combined or commercial package policy. If you want to insure your stock whilst it moves between locations, is carried by road, rail or air or is in temporary storage you may want to consider goods in transit insurance or marine cargo insurance.  If you are purchasing stock from a supplier or manufacturer, especially from abroad, you may be responsible for insuring the stock on its journey. If this stock is already insured on its journey by the supplier or haulier you may find their insurance gives limited cover and significantly increases the cost of the delivery, so you would be better off insuring it yourself.

For advice or a quote for your stock insurance call us on 01905 21681 or contact us here.

"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Dermott Quinn, Managing Director Ductbusters Ltd

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"I highly recommend the Sutcliffe & Co team both for their proactive ongoing annual renewal work & also for helping during a recent claim. Its great to know we have a local firm with people we can rely on."

Julian Powell, Business Director, HallmarkHulme Solicitors

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“We had been with our current broker for several years and had become complacent. An increase in premiums led us to want to cross check with an alternative broker and we chose Sutcliffe. We found them a breath of fresh air; there was a transparency in our dealings, their advice gave us options and they found competitive ways of providing insurance from high quality companies."

Chris Oliver, Director, CHANE Investments Ltd

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“Talbot Transport has been with Sutcliffe and Co for many years and have the greatest confidence in their service. We like their friendly and personal staff and feel they have a good understanding of our business. Any problems we have are dealt with swiftly and smoothly with the least amount of disruption to our daily business”

Sophie Talbot, Partner, Talbot Transport

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“I was thrilled when I found Sutcliffe & Co, friendly, efficient and with competative prices. Their expert advisor really helped me through the insurance minefield and he went that extra mile that other companies just did not...."

Michelle Davies, Office Manager, Davies and Daughters Building Contractors

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Anthony Eddies-Davies, Director, Live The Adventure Ltd

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Sutcliffe Insurance Brokers Ltd t/a Sutcliffe & Co is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 21681 | Registered in England No 1167560

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