- Stock and inventory: what does that mean?
Under stock fall anyway raw materials, intermediate goods and final goods, business processing and packaging. Also, machinery, tools, equipment and cash belonging to the inventory. Often, in addition, electronic equipment and tools standard insured in this insurance.
- What reimburses inventory and stock insurance?
Damage and loss of stock and inventory by fire, storm, burglary and water. You save the inventory temporarily in another location ( in Europe ) on? Then this stock also assured by most insurers. Usually you get a fee for recovering lost data after a fire.
In addition, you often get a fee for cold damage to your stock if it proves impossible to sell after a short circuit. The content of these premiums can vary by insurer. Ask the items that you find so important to always carefully.
- What is not insured?
If there are no vacant tracks are visible on the outside of your property can not be proved, is burglary. Your insurer may not turn off.
Willful damage is not compensated, as well as damage caused by natural disasters (earthquakes, floods, etc.).
Damage during transportation of inventory or stock does not fall within this insurance, do you need a separate transport insurance required.
For portable electronics (tablet, phone) you have otherwise way too often for damage to take out a separate insurance.
- What to look for when taking out an insurance inventory?
Reverses insurance for damage based on replacement value (inventory) or replacement (stock)?
How depreciated value?
Enter the correct value: otherwise you are not adequately insured, and you get less paid in damages.
Verify that the insured amounts for data reconstruction or cold injury are high enough for you. You may need additional insurance.