Inventory and goods insurance

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Coverage for inventory and goods insurance
Customers about Alpina

As a business owner, are you already familiar with inventory and property insurance? Also known as inventory insurance, goods insurance or business contents insurance. Inventory and goods insurance is insurance that allows you to insure your company's inventory and goods. Important because these are an essential part of your business. At Alpina\.nl, you can get cheap goods and inventory insurance.

What is inventory and goods 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.

Why take out inventory and goods insurance?

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.

What is covered by inventory and goods insurance?

An inventory and goods insurance covers your business for damage caused by fire, storm, lightning strike or explosion. Damage that would normally saddle you with a hefty expense item, which of course you do not want.

In addition to the cover for the above damage, you are also insured for:

Loss of sales (income lost as a result of the damage)
Rescue costs (costs incurred to limit the damage)
Expertise costs (the costs for determining the damage)

What is included in the comprehensive coverage of an inventory and goods insurance?

In addition to standard coverage for damage caused by fire, lightning, storm and explosion, you can also opt for more extensive coverage. This means you are insured for:

Run-off water and precipitation
Burglary and theft
Vandalism and collision

Frequently asked questions about inventory and property insurance

What exactly is my inventory?

Your inventory is everything you use to run your business, profession or activities. This includes laptops, telephones, office supplies and certain machines, but also your stock.

What exactly are my goods?

Your goods include all raw and auxiliary materials that you use to make your final product, such as semi-finished products, cleaning agents, fuels and packaging materials.

For whom is inventory and goods insurance?

Inventory and goods insurance is for anyone who owns a business. Every company has inventory and/or goods that are important for the production of their service or product.

Is inventory and goods insurance mandatory?

No, not obligatory, but sensible. You have probably also taken out contents insurance for the things in your home. Why not for your business? Moreover, you depend on your inventory and goods for your income. If things get damaged or stolen, this is detrimental to your income. Moreover, making or replacing these things costs a lot of money. That is why inventory and goods insurance can offer a solution.

Compare inventory and goods insurance

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. To do so, enter some information about your company, such as the industry in which you operate and the number of employees you have. 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 both premium and policy conditions. This way you can be sure that you have the right insurance for your company.

Low-cost inventory and property insurance through Alpina

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.

What is the coverage of an inventory and goods insurance?

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

Costs of inventory and goods insurance

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 goods insurance business

Inventory insurance is often referred to as business insurance. In insurance terms, however, we speak of inventory insurance when it comes to business insurance. A household contents insurance is a private insurance, with which you can insure the belongings in your home. However, a private contents insurance does not cover your inventory and goods, for which you have to take out an inventory and goods insurance.

Inventory and goods insurance meaning

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.