How A Stock Throughput Policy Simplifies Insurance For Wholesalers Who Import & Export

Broad Risk Insurance Brokers
10 minutes ago
3 min read

Managing risk in international trade can be likened to navigating a maze. Wholesalers who import and export often juggle multiple policies to protect goods in transit, in storage and during distribution. Each policy adds complexity and potential for gaps in coverage. A stock throughput policy streamlines this process by bringing clarity and continuity to your supply chain protection.

The Problem: Multiple Coverages, Multiple Headaches

Most wholesalers operate across several stages of logistics, with goods constantly moving between suppliers, carriers, warehouses and customers. Traditionally, this means holding different policies: marine cargo insurance for imports, property insurance for warehouses and transit insurance for domestic deliveries.

This fragmented system leads to confusion and inefficiency. When something goes awry, determining which policy applies (and when coverage begins or ends) can be time-consuming. More critically, it can expose your business to uncovered losses between transit and storage stages. It also means multiple renewal dates, varying limits and a higher administrative burden, all of which take valuable time away from your core business operations.

What is a Stock Throughput Policy?

A stock throughput insurance policy offers a single, end-to-end solution that simplifies protection for wholesalers. It merges marine cargo, transit and stock insurance into one cohesive plan that covers goods from their point of origin overseas to their final domestic destination.

In practical terms, this means your inventory is protected the entire time it’s within your control, whether at sea, in the air, on the road or stored in your warehouse. Explicitly designed for importers, exporters and distributors, stock throughput insurance eliminates coverage gaps and provides complete visibility into how your assets are insured.

Key Benefits of a Stock Throughput Policy for Wholesalers

Global, end-to-end coverage — Cover follows your goods wherever they go, whether in international transit, at the docks or in a third-party warehouse. You gain a single, unbroken safety net that mirrors the full movement of your supply chain, protecting against the most common cause of losses: coverage gaps.
Reduced administrative load — Managing insurance shouldn’t be another logistical burden. With one broker, one policy and one renewal date, your internal team saves hours spent reconciling paperwork and claims. It also simplifies compliance and audits by consolidating all coverage under a single framework.
Cost efficiency — Consolidating marine, transit and stock insurance typically removes duplicate costs and overlapping premiums. Because rates are calculated based on total stock values rather than per-shipment exposure, wholesalers often experience steadier, more predictable pricing, which is especially useful for seasonal or fluctuating inventories.
Improved risk visibility — With all assets insured under a single structure, it’s easier to track exposures across regions or carriers. This gives wholesalers more precise data for decision-making, which helps you forecast, budget and negotiate supplier terms with confidence.
Peace of mind — Comprehensive stock throughput insurance doesn’t just respond to physical losses. Depending on the policy, it also covers risks specific to global trade, such as political unrest, customs delays and general average contributions. When disruptions strike, claims are handled through a single point of contact, so you recover faster and operations keep moving.

Futureproof Your Business with Smarter Wholesaler Insurance

Global trade isn’t slowing down, and neither are the risks that come with it. From shifting freight routes to unpredictable customs regulations, wholesalers need more than a standard policy. They need a broker who understands how their business operates.

With over 15 years of experience, Broad Risk delivers clear, accountable and transparent advice that aligns with your goals, not just your premiums. Whether you’re moving goods across oceans or across Australia, our wholesaler insurance solutions, including stock throughput policies, transport and logistics insurance, keep your operations protected from every angle.

Disclaimer: The information and advice provided by Broad Risk Insurance Brokers is general in nature and does not take into account your individual objectives, financial situation or needs.

You should consider whether the advice is appropriate for you and read the relevant Product Disclosure Statement (PDS), policy wording and Target Market Determination (TMD) before making any decision about purchasing, renewing or cancelling an insurance policy.

If you require personalised advice that considers your specific circumstances, we recommend speaking with one of our qualified insurance brokers.