--- title: Commercial Property Insurance - Is Your Inventory Covered? description: Does your commercial property insurance fully cover your inventory? Get the right insurance for your stock. Reading PA, Berks County, and beyond. image: https://www.aigltd.com/hs-fs/file-16763757-jpg/images/commercial-inventory-insurance-250.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## Commercial Property Insurance - Is Your Inventory Covered? Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sun, Oct 14, 2012 - [Tweet](https://twitter.com/share) ### **Your Stock is the Life-Blood of Your Business** ![Commercial insurance coverage for inventory. Serving Reading, PA, Berks County, Harrisburg, Pittsburgh, Lebanon, Lancaster, Philadelphia, Bethlehem, Allentown, State College, Erie, PA and beyond with affordable, high quality business insurance.](https://www.aigltd.com/hs-fs/file-16763757-jpg/images/commercial-inventory-insurance-250.jpg)Many businesses are dependent on their stock; without inventory, there can be no sales, and without sales, there is no income, so insuring one's inventory can be critically important. Depending on the type of business, a wide array of products and quality stock could be at risk from unforeseen disasters such as fires or flooding. So, it makes good sense to take out a commercial property insurance policy covering the entire range of your inventory.  ### **Keeping Up-to-date: Time to Reassess?** And that is precisely what many businesses do; however, not all of them properly reassess their needs when renewing these policies. ***Has your stock changed in any way? Is there more of it? Less? New products? Has the business grown since the policy was initialized?*** It’s wise to keep track of what an individual property insurance policy actually covers, and keep it up-to-date as your business grows and changes. For example, a business originally set up to repair electrical items may have more recently found an ideal niche for selling electrical items to customers. The original policy that was set up would have been sufficient at the time, and was suitable to cover the spare parts the business needed to make repairs, but now it has a much larger inventory of products which it is also selling, which may not be covered under the original policy. In much the same way, a business could change the way it conducts its services. The original commercial property insurance policy could have been set up just to cover a shop and its products within. But since that time, the business could have started doing home deliveries, in which case the products in-transit en-route to the customer are not covered by the out-of-date policy. ### **Be Vigilant With Your Inventory Insurance** The lesson here is to always check the small print. Businesses should regularly be aware of any changes they make to their business and be aware if it affects their policy in any way. This also includes things like ***seasonal changes*** – businesses may stockpile before Christmas or Easter. Insurance policies should cover these stock rises at specific times of the year.  ### **Contact the Insurer - Get the Right Insurance for Your Commercial Property** If a business decides it does not have sufficient coverage, or there is a liability gap somewhere in the policy, they should first contact their insurer. It’s very possible the insurer could adjust the policy with little or no hassle, without any complicated papers to fill in. If, however, the insurance company is unable to cover any changes to a business, the best course of action would be to search for a new commercial property insurance policy covering all the new needs of the business in question. It’s very important to make sure these types of property insurance policies are sufficient for the specific needs or your business.  **Need Help With Your Commercial Property Insurance?** Please call or **[email us](https://www.aigltd.com/contact/)** any time for help. We'll guide you through the options and help you find the perfect business insurance coverage to meet your needs. [![Get a free business insurance quote. 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