Wholesale and Retail Insurance

Find the ideal insurance solution, no matter how complex your requirements from height restrictions to multiple locations, we’ve seen it before.

Get a quote 01372 724747

For wholesale trade businesses - from warehousing to cash & carry - finding the right insurance at the right price can be a complex and time consuming task. What’s more, insurers can impose conditions that affect your day to day running - for instance storage limitations that specify stock must be off the floor or within a maximum height.

Meanwhile, your operational need to float stock across several locations can complicate your insurance arrangements. That’s why you need no-nonsense advice and support from a genuine specialist in your sector - from experts who understand the priorities, risks and complexities that affect your insurance arrangements.

Standard Covers

  • Business interruption.

  • Property damage.

  • Combined liability.

  • Terrorism.

  • Goods in transit.

  • Money.

  • Legal expenses.

Optional Covers

  • Motor fleet.

  • Deterioration of stock.

  • Management liability.

  • First and third party cyber and crime.

     

  • Machinery breakdown.

     

  • Marine cargo.

  • Product recall.

Expert Support. Innovative Solutions

We look after a range of wholesale trade businesses, a responsibility that keeps us up to date with the very latest developments in the risk and insurance issues affecting the sector.

We offer advice on risk management - guidance on the steps you can take to minimise your premiums - and to draw on our market relationships to access outstanding insurance solutions. For instance, we can access capacity from insurers to cover large stock limits at multiple locations.

Similarly through our relationship with Marsh, a global leader in insurance broking and risk management, we can offer access to enhanced policy wordings that may not be available from other insurance brokers.

Get a quote 01372 724747

Expert Support. Innovative Solutions

Work with Stonebridge to find the insurance you need to protect your livelihood - at the right price. We look after a range of wholesale trade businesses, a responsibility that keeps us up to date with the very latest developments in the risk and insurance issues affecting the sector.

Come to us for advice on risk management - guidance on the steps you can take to minimise your premiums - and to draw on our market relationships to access outstanding insurance solutions. For instance, we can access capacity from insurers to cover large stock limits at multiple locations.

Similarly through our relationship with Marsh, a global leader in insurance broking and risk management, we can offer access to enhanced policy wordings that may not be available from other insurance brokers.

Wholesale Trade Insurance from Stonebridge: Who is it for?

As an established wholesale industry insurance specialist, we’ve worked with a wide range of clients in the sector over the years. So, whether yours is a cash & carry or a warehousing business, we can find the ideal insurance solution for you.

Related FAQs

See all FAQs

How much cover would be needed for keyman insurance?

This would depend on your specific business needs which we would discuss together. This could be a multiple of profits, a multiple of salary or turnover. Your accountant would be able to provide this information to you.

How do I know how much shareholder cover is needed?

We recommend you speak to your accountant who will help to establish the value of the business. The amount of cover should equal the market value of each owner’s share of the business.

What is keyman insurance?

It is a life insurance where critical illness cover can also be included to protect your business against the loss of profit should a key employee pass away or be diagnosed with a critical illness. You can also protect against the loss of a key employee to protect a debt, and it could also help towards the costs of employing and training new personnel.

Who could be classed as a key employee?

Key employees can be regarded as individuals whose knowledge, skills, experience, key relationships or leadership are very important to a business’ future financial success. These can be a senior manager, top sales person, technical specialist, business founder.

What is shareholder protection?

Shareholder protection is a life or life and critical illness policy that will pay out a lump sum that the remaining shareholders use to purchase the deceased shareholders shares from their estate.

Who should consider a relevant life policy?

Directors could take out the cover to provide a ‘death in service’ benefit, without having to take out a scheme to cover all employees. It helps to retain employees and ensure should the worst happen, their loved ones are financially cared for.

What is a relevant life policy?

It is a term assurance available for employers to provide employees with a ‘death in service’ benefit. It provides a lump sum payment on death and there can be many tax advantages to both the employer and employee for this type of policy.

What are the benefits of a relevant life policy?

No National Insurance contributions on premiums and corporate tax relief for the business itself. For their employee there will be no National Insurance contributions on premiums or benefits. The benefits are not taxed as a benefit in kind and importantly the benefits do not count towards annual or lifetime allowances tax benefits.

Who can take out a relevant life policy?

UK resident businesses. These businesses can be a limited companies, a limited liability partnership or sole trader. Company directors can take out cover with the limited company paying for this.

How much does keyman cover cost?

The cost would be dependent on the amount and term of the cover, age, smoking status. Please contact us for a personalised quote.

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