Stock Throughput
Insurance Solutions

What is Stock Throughput Insurance?

Stock Throughput insurance is a specialized, all-in-one policy designed to cover a company's goods throughout their entire journey through the supply chain —from production and storage to transit and final delivery. This insurance combines elements of marine cargo insurance and property insurance, making it particularly valuable for companies with complex supply chains.

What Does Stock Throughput Insurance Cover?

Goods in Transit

• Covers raw materials, work-in-progress, or finished goods transported by land, air, or sea.
• Includes imports, exports, and domestic shipments.
• Provides protection against loss or damage from perils such as theft, rough handling, accidents, or weather-related events.

Goods in Storage

• Offers coverage while goods are stored in warehouses, distribution centers, or on-site.
• Protects against risks like fire, theft, vandalism, water damage, and natural disasters.

Goods During the Manufacturing Process

Some policies may extend coverage to goods while they are being processed or transformed.

Miscellaneous Coverage

• Includes stock held at multiple locations.
• Covers goods held by third parties, such as contract manufacturers or fulfillment centers.
• Provides for debris removal, salvage, or cleanup costs.
• May include business interruption or loss of profits if added to the policy.

Who Needs Stock Throughput Insurance?

Stock Throughput Insurance is ideal for businesses with a global or domestic supply chain that frequently move or store inventory, such as:

• Importers and Exporters
• Manufacturers
• Wholesalers and Distributors
• Retailers with high inventory turnover
• E-commerce businesses
• Logistics or third-party logistics companies that assume the risk of goods

These businesses benefit from Stock Throughput insurance by consolidating what would typically require multiple separate insurance policies (such as marine cargo and property insurance), reducing gaps and overlaps in coverage.

What Are the Advantages of Purchasing Stock Throughput Insurance?

• A single, continuous policy results in a streamlined claims process and broader coverage.
• Helps avoid coverage gaps between shipping and storage.
• Generally more cost-effective than purchasing separate cargo and property policies.
• Features customizable limits and clauses to match unique supply chain risks.

Contact an Insurance Agent for More Information

If you're managing inventory that is constantly moving, transforming, or stored in various locations, Stock Throughput insurance is one of the most efficient ways to protect your assets from production to point-of-sale. To learn more, contact us and we can find an insurance agent in your area to protect your assets efficiently with tailored solutions for your business.