If you are looking for a restaurant insurance quote, or you have a valid insurance policy in place, you will have different sections of cover.
Your insurance cover will be based on what commercial insurance companies describe as a package policy. When they say package, this is because it is built up from different parts. All of these put together provide you with a package insurance policy that covers most of the things you need. Within this policy, you will have, or need, insurance for your stock. This will include all dry, wet and frozen stock.
Your wet stock may be on a sale or return basis, particularly where there are “new” drinks promotions ongoing. In these cases, it is still your responsibility to insure the stock, unless you have a specific written agreement from the suppliers that they are responsible, at all times, for the insurance cover. This does not usually happen, in most cases you need to ensure that your existing policy not only covers your own stock, but also the sale or return stock.