Frequently Asked Questions
What does perfume and toiletries wholesale insurance cover?
It can include warehouse premises, contents, perfume stock, toiletries stock, samples, gift sets, racking, packing equipment, public liability, employers' liability, product liability, goods in transit and business interruption cover depending on the operation.
Is perfume and toiletries wholesale insurance different from general warehouse insurance?
Yes. Perfume and toiletries stock can create extra issues around flammable liquids, leakage, glass bottles, imported products, product liability, labelling, recall exposure and theft-attractive branded stock.
Do perfume and toiletries wholesalers need product liability insurance?
Usually yes, especially where products are imported, own-branded, repacked, relabelled, bundled into gift sets or supplied through retail and ecommerce channels.
Can perfume and toiletries stock be covered in transit?
Goods in transit can usually be reviewed for stock moved by own vehicles, couriers, parcel carriers, pallet networks or customer collection arrangements.
Does cover include leakage or damaged packaging?
Cover depends on policy wording and underwriting. Insurers usually want details of stock values, packaging, storage methods, handling controls and prior leakage or damage claims.
What information helps insurers quote?
Insurers usually need stock values, product types, flammable stock details, import activity, own-brand exposure, premises security, fire protections, storage controls, delivery methods, customer sectors, turnover and claims history.