Stock insurance
Join over nearly a million customers like you – we offer public liability cover from £4.95*
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Get tailored Get tailored quotes in 7 minutes
10% of customers pay the equivalent of £4.95 a month*
Compare quotes from leading brands
Rated 4.5/5
Based on 39.9K reviews
Claims paid in 24 hours
For 80% of settled claims
Business stock insurance – why is it important?
When setting up insurance, stock is a key consideration for thousands of UK businesses. It can help cover loss or damage to the essential items you need to trade – if it’s not in place and you lose your stock in a fire, for example, or a break-in, business as usual can be impossible. Our expert stock insurance is designed to cover these risks, plus other crises like flood and malicious damage.
- 24/7 UK-based claims support from an expert team
- rated 4.5/5 based on 39.9K public liability customer reviews
- cover for break-ins, flood and fire for peace of mind while you work
What’s covered by a stock insurance policy?
Stock insurance can cover the cost of replacing the stock you use to run your business, if it’s destroyed, lost, or damaged. It makes the difference between staying open and business closures for thousands of traders every year, helping manage crises like fire, theft, flooding, and malicious damage. From food and drink products to branded materials and sellable items, if you need it to do business, stock may be worth covering.
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Theft
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Fire
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Flood
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Malicious damage
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does stock insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.95 per month
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example stock insurance quotes, real prices
£20.13 /month
£178.92 /year
A small clothes shop run by owner and located in a small retail space
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Luton
Public liability
£2,000,000
Contents & business equipment
£5,000
Stock
£5,000
£84.85 /month
£754.22 /year
A large off licence located on a busy high street and have an ATM
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Aberdeen
Public liability
£5,000,000
Contents & business equipment
£15,000
Stock
£30,000
How we work out example quotes. These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
Looking for something else?
Depending on your set-up, clients and business type, these expert covers might be helpful too:
- Business insurance
- Public liability insurance
- Professional indemnity insurance
- Employers liability insurance
- Business buildings insurance
- Business contents insurance
- Business equipment insurance
- Business interruption insurance
- Business legal protection insurance
- Contract works insurance
- Limited company insurance
- Office premises insurance
- Personal liability insurance
- Product liability insurance
- Professional liability insurance
When you run a quote you can select from a range of covers.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
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Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£68 million in claims paid out in 2024
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Example claim
Having a stock insurance policy with Simply Business has saved small business owners thousands of pounds when the unexpected happened.
Nicole saved more than £8,000
Nicole (not her real name) called our claims team to report a malicious damage incident in her shop, after a man came into the premises and intentionally destroyed a large amount of display stock. The optional stock insurance added to Nicole’s business policy helped cover her replacement costs.
Insurance payout
£8,000.50
Covering the cost of malicious damage
Insurance payout
Covering the cost of malicious damage
Covering the cost of malicious damage
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
Stock insurance FAQ
Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about our stock insurance quotes and set-up.
You can also check out our business insurance FAQs.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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