It’s a good idea to take out stock insurance if you have a back room full of it. Stock is often at risk of theft or damage, and sufficient stock insurance will protect you financially in the event you can’t sell it due to an insurable event. 

But if you sell any ‘perishable’ stock that needs to be refrigerated or frozen, you could also take out a separate deterioration of stock policy.  This could provide financial compensation in the event your equipment malfunctions and a drop in temperature causes food to spoil.

If you provide sandwiches for events off-site like corporate parties or market stalls, we can still insure you. When speaking to a broker, it’s best to inform them of any off-site activities your business carries out so you can ensure you’re properly insured.