Frequently Asked Questions
What does gardening implements wholesale insurance usually cover?
It can include premises, contents, warehouse stock, racking, handling equipment, public liability, product liability, employers' liability, goods in transit and business interruption cover.
Can lawn mower and strimmer stock be covered in a warehouse?
Yes, subject to policy terms and underwriting. Insurers usually want stock values, security details, fire protections, battery storage arrangements, fuel residue controls and claims history.
Do garden machinery wholesalers need product liability insurance?
Usually yes, especially if they import, rebrand, assemble, modify or supply machinery, batteries, blades, guards, chargers or spare parts into the UK market.
Can lithium batteries and chargers affect insurance?
Yes. Battery stock, charging activity, storage methods, quantities, separation and fire controls can all affect insurer appetite, terms and pricing.
Do wholesalers need goods in transit cover?
Usually yes if they deliver machinery, tools, spares or customer orders using their own vehicles, couriers or pallet networks. Load values and theft controls should be declared.
What information helps insurers quote?
Insurers usually want stock values, product types, premises details, security, fire protections, battery and fuel controls, delivery methods, turnover, suppliers, customer sectors and claims history.