Cradle-to-grave protection for inventory and transit
Stock Throughput Insurance

From raw materials to finished goods—one seamless policy for every stage of your client’s supply chain.

What Is Stock Throughput?

A Stock Throughput (STP) policy bridges the gap between Property and Cargo by protecting goods from “cradle to grave.” It covers raw materials, work in process, and finished products in storage, in transit, and at third-party locations worldwide—under one policy.

Why It Matters to Independent Agents

  • Differentiate with a specialty solution most competitors overlook.
  • Win larger accounts by bundling marine + property exposures.
  • Free up property capacity in CAT-restricted markets.
  • Simplify programs for clients with global operations.

Who Is a Good Candidate?

  • Manufacturers, importers, exporters, or distributors of goods.
  • Inventory at multiple or third-party locations.
  • Inventory is a large share of TIV.
  • Storage in coastal, flood, or seismic zones.
  • Use of third-party processors or storage providers.

Target Industries

Agriculture & Soft Commodities Food & Beverage Automotive & Heavy Equipment Pharma, Biotech & Life Sciences Oil, Gas & Petrochemical Mining & Metals Forestry, Pulp & Paper Clothing & Apparel Hi-Tech & Electronics Logistics & Warehousing Wineries, Breweries & Distilleries

Coverage Highlights

  • All-Risks form—physical loss or damage from external causes
  • Global protection—domestic & international transits + storage
  • Primary & excess capacity—up to USD 75M per location (higher available)
  • Natural catastrophe—flood, windstorm, earthquake to full limits
  • Fixed CAT deductibles—flat dollar, not percentages
  • Reduced property TIV—remove stock from property schedule
  • Easy admin—annual turnover adjustment; no monthly reporting

Optional Enhancements & Endorsements

Show options
  • Spoilage & deterioration (heat, fermentation, decay, breakdown)
  • Contingent coverage (supplier or customer failure)
  • Refrigeration & temperature variation
  • Delay in Start-Up / Trade Disruption
  • Enhanced valuation (profit margin, seasonal pricing, taxes)
  • Warehouse Legal Liability (up to USD 50M)
  • Profit-sharing for strong loss experience

Questions to Ask / Ways to Qualify

  • Do they manufacture, import, or distribute goods?
  • Do they store inventory at multiple or third-party locations?
  • Would removing stock from the property schedule free up CAT capacity?
  • Do they have raw materials, WIP, or finished goods in transit?
  • Would combining property and cargo simplify their program?
  • Have they had a claim dispute over which policy responds?
  • Are any locations in coastal, flood, or seismic zones?

If “yes” to two or more, it’s likely a strong STP candidate.

Submission Checklist

  • Statement of Values (addresses; average & max stock values)
  • COPE details or inspection reports
  • 5-year loss history (transit + inventory)
  • Estimated annual sales/turnover
  • Transit routes, conveyances, and packaging details

Why Place It Through Program Underwriters

  • In-house market access with broad CAT capacity
  • Industry-specific manuscript forms and custom enhancements
  • Fast, agent-friendly quotes and binding
  • Competitive pricing through established facilities
  • Expert guidance on how STP interacts with property programs

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