FISCHER RISK MANAGEMENT / COVERAGE
Inventory & cargo insurance. Know where your goods are, and where coverage applies.
At the factory. On the water. In a third-party warehouse. Map ownership, peak values, and each handoff before comparing cargo and stock throughput terms.
Request an Insurance Review
How do stock throughput and cargo insurance differ?
Cargo insurance focuses on goods in transit. A stock throughput program can combine specified transit and storage exposures under one policy. Map goods at your premises, third-party warehouses, and in transit before comparing terms, values, limits, and deductibles.
Follow the goods through every handoff.
Tell us where goods originate, when your business assumes responsibility, how they travel, and where they are stored. Include third-party warehouses and fulfillment providers alongside locations you operate.
Use values that reflect your business
Bring typical and peak inventory values, shipment values, and major seasonal changes. Discuss how values are calculated and which locations could concentrate a significant amount of stock.
Compare the actual insurance arrangements
Share cargo, property, warehouse, and freight-forwarder insurance documents. Review limits, deductibles, storage terms, transit provisions, and exclusions together. A vendor holding insurance does not by itself establish what protection your company receives.
Is a warehouse or freight forwarder’s insurance enough?
That requires a review of the agreement and applicable insurance. Bring the documents so we can discuss your responsibility for the goods and identify questions about the proposed coverage.
