https://completemarkets.com/company/commercialsector/Stockthroughput-Insurance/
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.
Frequently Asked Questions
What types of accounts are a good fit for the Stockthroughput program?Accounts that combine storage and transit exposures — wholesalers, importers, processors and manufacturers that move goods between suppliers, production sites and customers. Perishable goods and coastal importers are commonly placed.
Is this program admitted or non-admitted?This program is offered on a non-admitted basis (not admitted in any state). Confirm state-specific placement requirements with Commercial Sector before binding.
What information should I include with a submission?Provide a description of operations, inventory values by location, transit modes and routes, packaging/refrigeration procedures (if applicable), and recent loss runs. Photographs of storage conditions and descriptions of business interruption exposures help underwriters price efficiently.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/halcyonuw/retail-insurance/