1. Property insurance. Policies covering stock that allow the insured to maintain a full insurance on fluctuating stock values without over-insuring. The insured selects an amount at risk and pays a deposit figure based on 75 per cent of that figure. Following a series of stock declarations the premium is adjusted up or down by up to 33% per cent at the end of the year. 2. Business interruption. The insured identifies an estimated gross profit and the policy automatically allows an increase in this figure. The premium is adjusted up or down by up to 33% per cent at the end of the year when the actual gross profit is known.