Frequently Asked Questions
What does building contractors depot wholesale insurance usually cover?
It can include premises, yards, contents, stock, racking, forklifts, plant, tools, public liability, employers' liability, product liability, goods in transit and business interruption cover.
Is this the same as builders merchant shop insurance?
Not exactly. Builders merchant shop insurance is usually retail and trade-counter led, while this page focuses on depot-led wholesale, yard storage, mixed contractor stock and distribution exposure.
Can outdoor yard stock be covered?
Potentially, subject to policy terms and underwriting. Insurers usually want details of stock values, yard layout, fencing, CCTV, drainage, storage methods and weather exposure.
Do contractor depots need product liability insurance?
Usually yes, because supplied materials, tools, fixings or components can create claims if the wrong product, defective stock, damaged packaging or unsuitable specification causes downstream loss.
Do building contractors depots need goods in transit cover?
Usually yes if they deliver goods to contractors, sites, merchants, yards or customers using own vehicles, couriers, pallet networks or subcontract hauliers.
What information helps insurers quote?
Insurers usually want stock values, product types, yard and premises details, security, fire protections, hazardous goods, forklift use, delivery methods, turnover, customer sectors and claims history.