Protection for stock, storage and goods in transit
For SMEs that deal in physical goods — whether you're importing, exporting, storing, or distributing — your insurance needs to move with your business. From the moment stock arrives at your warehouse to the point it reaches your customer, the right cover keeps your operations well-supported at every stage.
The Specialty Warehouse Package is designed for businesses that need more than a standard property policy. It brings your warehouse cover, stock protection, goods in transit, and liability into a single, manageable solution — so everything is aligned and easy to oversee, and you can focus fully on running your business.
What's included
These covers form the core of the package. Terms and conditions apply.
| Stock & Goods | Property and stock cover to keep your inventory protected, whatever your warehouse faces. |
| Warehouse Premises | Property cover for your warehouse building and contents, keeping your operations off the ground. |
| Goods in Transit | Inland transit cover so your stock is protected on the road, not just on the shelf. |
| Import & Export Risks | Marine Cargo cover for international shipments, giving you confidence across borders. |
| Third-Party Claims | Public Liability cover in case a visitor, supplier, or contractor is injured or suffers a loss on your premises. |
| Business Continuity | Business Interruption cover to protect your income if an insured event forces you to pause operations. |
| Your People | Workmen's Compensation and Employer's Liability to protect your warehouse team and meet your legal obligations. |
Add the covers your business needs
Depending on what you store, where you trade, and how your business operates, these additional covers can be built into your policy.
War Cover
For businesses importing or exporting across regions where instability is a real risk, war cover protects your goods during transit against selected conflict-related perils. Subject to policy terms and insurer approval.
Theft & Burglary
This extension covers your goods and warehouse contents against theft or forced entry — giving you financial protection for your inventory and peace of mind for your premises.
Electronic Equipment Breakdown
Warehouse technology — from racking systems to security and refrigeration equipment — is expensive to repair and even more costly to be without. This cover handles the bill so a breakdown doesn't stop your business.
Employee Dishonesty
This cover provides financial protection in the event that fraud, theft, or dishonest acts by an employee result in a loss to your business — a sensible layer of protection for warehouse operations where high-value goods and stock are in regular circulation.
Deterioration of Stock
For businesses storing temperature-sensitive goods — food, pharmaceuticals, chemicals — this cover protects the value of your stock if equipment failure causes deterioration. A practical safeguard for businesses where cold chain reliability matters.
Why choose Continental?
A network of qualified professionals. Focused on you. Multifaceted solutions. A personalised approach. These aren't just words — they're the reason over 30 years of clients have trusted us with the things that matter most.
For help choosing the right cover for your SME, speak to our Specialty Team today.
Call 800 242
Why choose Continental?
A network of qualified professionals
We see ourselves as your guide through the world of financial planning. Our job is to help you explore your options and find solutions that fit your goals.
Our team of 250+ professionals works across the Middle East, Europe and Asia. We're here to offer you clear, impartial advice—always putting your interests first, backed by years of experience and a commitment to service.
We keep learning, researching and embracing new technology so we can stay ahead—and help you get where you want to go.
Multifaceted solutions
Your financial security comes first. Whether you're looking out for your family, supporting your clients or planning your next move, we're here with the guidance and resources to help you reach your goals.
We work with trusted partners, both local and international, to bring you a wide range of financial and insurance solutions. Our promise: dedicated, personalised service—every step of the way.
A personalised approach
For us, relationships come first—in business and in life. We build trust and back it up with a skilled, experienced team.
We tailor our advice to fit your goals, risk comfort, timeline and cash needs. Whether you want to minimise risk, preserve wealth, grow your income or build capital, we'll find solutions that work for you.
Confidentiality, trust and discretion are at the heart of what we do. That's why clients choose us.
Common questions
1. Can one policy really cover my warehouse, stock, and transit risks?
Yes — and that's exactly the point. Managing separate policies for each risk means separate renewals, separate claims contacts, and a greater chance of gaps. Our Warehouse Package brings the key covers together so everything works as one.
2. Is this suitable for import and export businesses?
Absolutely. The package is designed with trading, logistics, and distribution businesses in mind. Whether your goods are sitting in a warehouse in Dubai, moving through a port, or in transit to a customer, we can help make sure they're covered.
3. Does it cover goods while they're being transported?
Yes, if inland transit or marine cargo cover is included in your policy. This protects your goods during movement within the UAE and across international shipments — so the risk doesn't transfer back to you the moment something leaves your warehouse.
4. What do I need to get a quote?
Our team will ask about your business activity, warehouse location, the type and value of goods you store, your transit exposure, and your current security and fire protection setup. The more we know, the more accurately we can structure cover that fits — and avoid paying for protection you don't need.
5. Why choose the Continental SME Specialty Team?
We understand warehouse and trading businesses — the operational rhythms, the seasonal pressures, and the specific cover that genuinely matters for businesses that deal in physical goods. Our job is to make sure you're protected in the right way, not just covered on paper. We'll build a policy around your actual setup, not a template.
