Frequently Asked Questions
What does sand, gravel, cement, plaster and brick wholesale insurance usually cover?
It can include premises, yards, warehouse stock, forklifts, loaders, racking, public liability, employers' liability, product liability, goods in transit and business interruption cover.
Can outdoor stock and yard storage be insured?
Potentially, but insurers usually need details of yard layout, security, drainage, weather protection, stock values, storage methods and flood or storm exposure.
Do builders' material wholesalers need product liability insurance?
Usually yes, because supplied materials can create claims if the wrong grade, contaminated material, damp-damaged stock, failed packaging or defective goods cause downstream loss.
Can cement and plaster stock deterioration be covered?
Cover depends on the policy and underwriting information. Insurers usually want details of moisture controls, storage methods, packaging, stock rotation and maximum values.
Do wholesalers need goods in transit cover?
Usually yes if they deliver materials to customers, sites, yards or merchants using own vehicles, tippers, flatbeds, pallet networks or subcontract hauliers.
What information helps insurers quote?
Insurers usually want stock values, premises and yard details, material types, security, weather protection, dust controls, forklift use, delivery methods, turnover, customer sectors and claims history.