Stock Floater

Stock Floater Insurance

Your inventory moves. Your cover should move with it.

If your stock levels or storage locations change through the season, warehouses, retail branches, or in transit between them, a Stock Floater policy adjusts with you, so you're never underinsured at your busiest moment or overpaying at your quietest.

Talk to a Private Advisor How It Works

Coverage Details

What's Covered

Fluctuating Stock Values

Cover automatically adjusts to your declared stock value each period.

Multiple Locations

Stock held across warehouses, branches, and depots under one policy.

Fire & Allied Perils

Loss or damage from fire, flooding, and other insured perils while in storage.

Stock in Transit

Goods moving between your own locations against loss or damage.

Simple Process

How It Works

Declare Your Average Stock Value

Tell us your typical and peak stock holding across all locations.

Monthly/Periodic Declarations

Submit simple stock declarations so your cover always matches what's actually on hand.

Claim on Actual Value Held

In the event of loss, your claim is settled against the stock value declared for that period.

Common Questions

Frequently Asked

How is this different from a normal Fire policy on stock?

A standard Fire policy uses a fixed sum insured. Stock Floater adjusts to your fluctuating stock levels, so seasonal businesses don't overpay or underinsure.

What happens if I forget to declare stock one month?

Most insurers allow an average-based settlement if declarations lapse briefly, but consistent declarations get you the most accurate claim payout.

Can I cover stock at more than one warehouse?

Yes, Stock Floater is designed for exactly this, multiple locations under a single schedule and premium.

Across Kenya

Stock Floater cover in your county

We arrange stock floater insurance nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

Mombasa Machakos Nakuru Uasin Gishu Trans Nzoia

Ready to get covered?

Get your Stock Floater insurance quote today, same day cover, zero hassle.

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