Frequently Asked Questions
What does beers, wines and spirits wholesaling insurance usually cover?
It can include warehouse premises, contents, beer, wine and spirits stock, pallets, racking, forklifts, chillers, public liability, employers' liability, product liability, goods in transit and business interruption cover depending on the operation.
Can high-value alcohol stock be insured?
High-value beers, wines and spirits can often be reviewed, but insurers usually need maximum stock values, highest bottle values, security details, fire protections, stock controls and claims history.
Do alcohol wholesalers need product liability insurance?
Usually yes, especially where drinks are imported, own-branded, relabelled, repacked, bundled, supplied to hospitality venues or distributed through retail and ecommerce channels.
Can bonded or duty-paid stock be covered?
Bonded or duty-paid stock can be reviewed, but insurers need details of the stock status, warehouse arrangements, licensing, customs controls, values and contractual responsibilities.
Can beer, wine and spirits be covered in transit?
Goods in transit can usually be reviewed for alcohol stock moved by own vehicles, couriers, pallet networks, specialist carriers or customer collection arrangements.
What information helps insurers quote?
Insurers usually need stock values, product types, licensing details, import activity, premises security, fire protections, delivery methods, transit values, customer sectors, turnover and claims history.