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  •     Contents insurance pays the cost of theft or damage to business stock or equipment. It's not legally required but is advisable for any business that holds stock or expensive equipment. Stock is insured to the purchase price, not the sale price.
  • It's important to check a policy covers all stock on the premises at any time. E.g. if there's more stock than usual in the run-up to Christmas, it should be covered in the policy. Firms with stock that can spoil may need to arrange specific stock cover.
  • Equipment can be insured with a 'replacement as new' policy, meaning items stolen or damaged irreparably it can be replaced with a new one, or an 'indemnity' policy, which takes wear and tear into account and pays out the item's current value.
  • Contents that are stored in motor vehicles may be covered by some comprehensive motor insurance policies.
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