Stock held at your premises often represents a significant share of your total asset value at any given time. Protect it properly.
Fire, flood, and burglary protection
Fixed or floating structures for fluctuating stock
Inventory that moves needs cover that moves with it.
This policy is particularly relevant for businesses holding significant, fluctuating inventory.
If your stock value regularly moves up and down through the year, the structure of your policy matters as much as the cover itself.
We assess your specific exposures rather than applying a one-size-fits-all liability template.
We help you choose between a fixed sum insured and a declaration-based floating policy.
A floating structure prevents underinsurance during peak stock periods.
It also prevents premium wastage during quieter, lower-stock months.
We help you maintain the declaration records needed for a smooth claim.
A fixed sum insured suits stable inventory, while a floating policy adjusts the insured value monthly based on actual stock levels — better suited to fluctuating inventory.
Yes, flood and natural calamity cover can be included as part of a Stock Indemnity Policy, alongside fire and burglary cover.
Typically on a monthly basis. We help set up a simple, manageable declaration process so this doesn't become an administrative burden.
