Calculate and take out your inventory and property insurance

Inventory and goods insurance is insurance for your business inventory and goods. An insurer distinguishes between the inventory and goods of a business. If you have your own business or company, you probably have a lot of inventory. This includes things like desks, computers and office supplies, but also special machines and perhaps stock. Goods means your trading stock. These are all the raw and auxiliary materials that you use to make your final product, such as semi-finished products, cleaning agents, fuels and packaging materials. They are all products that you sell or consume in the making of the final product. These items are essential to your business, so it makes sense that you don't want anything to happen to them. With an inventory and goods insurance, both your inventory and your goods are insured against damage as a result of fire, storm and burglary, among other things.

Of course, a lot of money has been invested in your own business. It is only logical that you would like to save money where possible. However, precisely because there is so much money in your own business, it is wise to take out inventory and property insurance. Imagine a fire breaking out in the business premises, destroying a large part of your inventory and goods. Or what if there is a break-in and laptops and devices are stolen or destroyed.

Without inventory insurance, replacing these items will cost you a lot of money. Moreover, your company's activities may come to a halt, causing you to lose income as well. This is a big risk, especially for start-ups, as they often do not have a large financial buffer to cover such costs. By taking out inventory and goods insurance, you ensure that you are insured against many of these damages.

Looking for low-cost inventory and property insurance? You can find it by comparing different providers. On Alpina.nl you can also calculate the premium for your insurance. Fill in some information about your company, such as your industry and the number of employees. Then you can indicate what you all want to be insured for. Based on this information, the premium will be calculated for you from different insurers. You can compare the insurances on the basis of premium as well as policy conditions. This way you can be sure that you have the right insurance for your company.

Your business inventory, machinery and stored (raw) materials can be severely damaged or completely destroyed during a fire or storm. By taking out inventory and goods insurance, you safeguard the financial position of your company. An important condition for taking out inventory and goods insurance is proper protection of your business premises.

With our handy comparison tool, you can already calculate the premium for your insurance. Is the insurance to your liking? Then you can take out the insurance directly online. If you have any questions, you can always ask one of our insurance specialists. Please do not hesitate to contact us! You can reach us by telephone from Monday to Friday from 08:00 to 18:00. Of course you can also send us a message via chat, WhatsApp and Messenger.

The inventory and goods insurance reimburses material damage caused by:

• fire
• storm
• lightning strike
• explosion

In addition to the insured sum, the insurance also provides cover for

• salvage costs (the costs incurred to limit the damage)
• expert opinion costs (the costs of establishing the damage)

Have you opted for comprehensive cover? Then you are also insured for damage resulting from the following events:

• outflowing water and precipitation
• burglary and theft
• vandalism and collision

The costs depend on a number of factors:

• The type of enterprise
• The type of inventory and goods
• The amount of inventory and goods
• The coverage you choose
• Possible additional coverages

Inventory and property insurance is also often called business contents insurance. In insurance terms, however, we refer to inventory insurance as business insurance. Inventory insurance is private insurance, which allows you to insure the belongings in your home. However, private contents insurance does not cover your inventory and goods, so for this you need to take out inventory and goods insurance.

The meaning of inventory and property insurance is not clear to everyone. Often people do not know the difference between inventory and goods. Your inventory is things like desks, computers, office supplies, special machines and supplies. Your goods are your trading stock. This means all the raw and auxiliary materials that you use to make your final product. These include semi-finished goods, cleaning products, fuels and packaging materials.