Business is all about supplying a product or service that someone is prepared to pay a fee, or mark up, for. If you buy a product at £5.00 you would be looking to make a profit by selling it for more than it cost you to obtain.
Importers, wholesalers and distribution agents all undertake similar tasks and therefore face similar commercial insurance risks. The main one relating to the stock, or goods they are importing, is who is responsible for arranging the cover?
Most of the major couriers offer a form of cover, this is usually restricted to £x per kilo. Which is fine if you are importing gravel, but more expensive goods could leave you out of pocket in the event of a loss.
Whilst there is not a standard distribution insurance product you will be able to arrange cover for stock anywhere in the world.
Firstly, you need to ascertain, through the contract you have with the supplier whether they are responsible for the stock until you receive it, or whether it is your responsibility once it leaves their factory.
Secondly, if you are responsible you need to speak to an independent business insurance broker. You will need to explain to them what your cover requirements are and they will then approach the insurance market on your behalf to obtain suitable quotes.
There are numerous different cover options available and it is up to the broker to deal with obtaining a range of quotes, because that is what they do.