Most businesses in the UK send and received goods, stock or equipment. The exceptions are the service providers such as accountants, lawyers, brokers etc.
If you do send and receive goods, you will usually have a responsibility to insure them. not a legal responsibility, but if what is being delivered to you is damaged once it leaves the suppliers address, you are normally responsible.
Most third party carriers or couriers will offer some form of insurance. You will have to pay for it and depending on the value of what is being sent, any payout maybe inadequate as it is only and amount per kilo.
Many commercial insurance package policies, will include an element of goods in transit cover. Usually, you will get cover up to a couple of thousand pounds, if being moved in your own vehicles.
To get cover for goods being moved by a third party, over which you have no control, you will need to speak to your insurance broker to get a wider cover extension.
Goods in transit will cover UK/EU sendings in most cases. Where goods are being received or sent outside of the EU, you will need to buy a separate marine cargo or freight insurance policy.
Very few business policies include this cover. Some insurers, through a specialist commercial combined insurance may be able to extend the cover. Usually though you will need to get either an annual policy or a single “one off” cover for each sending.
The benefits of this cover are that you are insuring the replacement cost (plus a percentage for freight and insurance costs if required). Whereas if, for example, you are moving computers and you only get a certain amount per kilo, you may not be reinstated fully for your loss.