Are your goods in transit covered?

Does your surgery insurance include Goods in Transit cover? See how a £6,000 equipment loss was fully covered and why transit protection is essential for dental and medical practices.

When we think about insurance, most of us picture buildings, stock, or liability cover. But one area that far too many businesses overlook is Goods in Transit and it’s often only when something goes wrong that its value becomes painfully clear.

Recently, one of our policyholders learned this the hard way… and fortunately, they were protected.

The Incident: A £6,000 Piece of Dental Equipment, Lost in Transit
A dental client sent a specialist piece of equipment worth over £6,000 to a servicing company. A routine process. The kind of shipment businesses make every day. But the package never arrived.

Somewhere between collection and delivery, the parcel was lost. And like many courier services, the delivery company offered only a standard “lost parcel” compensation amount typically a nominal figure that rarely reflects the true value of the goods being transported.

Had this policyholder relied solely on the carrier’s standard cover, they would have suffered a significant financial loss.

Fortunately, They had Surgery Insurance with the cover for Goods in Transit. This is where Surgery Insurance and the aspect of Goods in Transit Cover stepped in and did exactly what it’s designed to do.

The policy responded, covering the full value of the missing equipment and ensuring the business wasn’t left out of pocket.

For the client, this was more than a financial win it was business continuity, peace of mind, and the reassurance that their insurance was truly built around their needs.

Why This Matters to You

Many businesses assume that:

• The courier’s maximum liability will cover their goods ✔️ (It usually won’t.)
• Losses in transit are rare ✔️ (They’re more common than you think.)
• Goods in Transit cover is only for companies moving goods daily ✔️ (It can protect any business shipping valuable items.)

If your company sends equipment for repair, dispatches high‑value items to clients, or transports tools or stock between sites, this cover is far from optional it’s essential.

Questions to Ask Yourself

If a vital piece of equipment went missing tomorrow, could your business absorb the cost?

Do you know the true limits of your courier’s compensation?

Does your current Surgery insurance include Goods in Transit cover and is the limit high enough?

The Takeaway

This real‑world example highlights the importance of checking what’s actually covered when your goods leave your premises. For this client, the right cover transformed what could have been a costly setback into a resolved issue.

If you regularly ship, send, or transport high‑value items even occasionally it may be time to review your Surgery Insurance includes Goods in Transit protection.