Stockthroughput Insurance

Commercial Sector Insurance Brokers offers a Stockthroughput Insurance program that combines inventory/storage exposures and transit (cargo) exposures into a single, streamlined policy form. Coverage is written on an All-Risk basis and can include Wind, Flood and Earthquake upon request. The product is designed for agents who need a simple, flexible solution for goods that move through multiple stages — from raw materials through production to delivery to the customer.

Product highlights

• Profit commission dividend paid directly to the insured by underwriters after the first year and upon renewal
• Low deductibles to reduce client out-of-pocket exposure
• Coverage for power outage losses affecting perishable goods (from any cause)
• Any type of goods considered — from perishables to durable goods and specialty items
• Simplified stock form — no routine reporting forms required for ordinary inventory
• Coastal risks are welcome; tailored wording available for marine exposure
• International transit and import/export coverage available
• Product protected from raw material stage through production and final delivery
• Minimum premium: $5,000
• Inland marine and building coverages can be coordinated so unappealing stock does not force unattractive building terms

Sample risks written

• Seafood wholesalers and processors
• Tobacco cooperatives and wholesalers
• Importers of antiques and specialty goods from Europe
• Importers and distributors of frozen food
• Book distributors and publishers
• Lumber and building product wholesalers
• Wine importers and distributors
• Window and door manufacturers
• Clothing and textile manufacturers
• Gun distributors (subject to underwriting parameters)
• Accounts that need both Inland Marine and building solutions

Overview of the program from Commercial Sector Insurance Brokers

This program is underwritten by multiple specialty markets (4+ carriers) accessible through Commercial Sector Insurance Brokers. It is set up to give retail agents a single policy to manage inventory-at-rest and inventory-in-transit without duplicative reporting. Underwriters are experienced with hybrid inland marine/cargo risks and routinely tailor terms to production flows, seasonal peaks, and international shipments.

Ideal accounts and appetite

This program fits clients who:

• Maintain inventory that regularly moves between suppliers, production sites and customers
• Require protection for perishable stock sensitive to power outages
• Import or export goods and need combined transit and storage coverage
• Operate in coastal areas or have complex logistics chains

Typically acceptable: wholesalers, processors, importers, distributors, and manufacturers with standard storage practices. Higher-risk classes, unusual storage conditions, or extremely high single-location values should be discussed with underwriting before submission.

Coverage advantages

• Single policy covers both inland transit and stock, simplifying claims and administration
• All-risk wording with optional catastrophic cover extensions (Wind/Flood/EQ) where needed
• Profit commission dividend feature can improve client retention and net cost
• Simplified reporting reduces administrative burden for both agents and insureds

Underwriting notes and minimums

Minimum premium for the program is $5,000. Underwriting evaluates product type, storage conditions, transit modes, loss history, and seasonal exposure. Coastal and international risks are acceptable but require details on warehousing, inland transit procedures, packaging, and refrigeration for perishables. Provide photos of storage, basic logistics procedures, and most recent loss runs to accelerate review.

Territories and licensing

This program is available on a non-admitted basis (not admitted in any state) and can be bound in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. Confirm any state-specific requirements with Commercial Sector prior to submission.

Why work with Commercial Sector Insurance Brokers

Commercial Sector brings focused wholesale market access and hands-on underwriting support for hybrid stock/transit placements. The team works closely with retail agents to tailor limits, deductibles, and extensions for complex supply chains. Fast submissions with clear documentation often result in quicker quotes and binding decisions through multiple specialty markets.

Example account scenarios

• You have a seafood processor that stocks inventory in refrigerated warehouses and ships nationally — this program can combine their storage and transit exposures, including coverage for power outage spoilage.
• You represent an importer of premium wine who needs combined inland marine transit coverages and short-term storage protection while goods clear customs — the Stockthroughput form simplifies placement and reporting.

For submissions, include a description of operations, values by location, transit modes, packaging and refrigeration protocols (if applicable), and recent loss history. Commercial Sector underwriters will evaluate and respond with tailored wording and market options.