Warehouses face fire risk, inventory losses, forklift accidents, and liability for goods stored on behalf of others. Our warehouse insurance programs cover building, contents, stored goods, and operations with carriers that understand warehousing risks.
Coverages we place
Commercial property for building, racking, and owned inventory
Warehouse legal liability for customers' goods in your care
General liability for visitor and contractor injuries
Workers' comp for forklift operators, dock workers, and office staff
Equipment breakdown for forklifts, conveyor systems, and HVAC
Business income for fire or disaster-related closures
Inland marine for goods in transit to/from warehouse
Commercial auto for delivery trucks and yard vehicles
Who needs this coverage
Warehouse operators, self-storage facilities, cold storage providers, fulfillment centers, distribution centers, and bonded warehouse operators.
What drives your premium
Warehouse size and construction type
Sprinkler and fire suppression systems
Types and value of goods stored
Temperature-controlled storage requirements
Number of employees and forklift operations
Common exclusions
Mysterious disappearance without evidence of break-in
Damage from improper storage conditions
Gradual deterioration, rust, or mold
Vermin or pest damage
Nuclear, war, or government-ordered seizure
Frequently asked questions
What is warehouse legal liability?
WLL covers damage to or loss of goods stored in your facility due to your negligence. It's essential for any warehouse that stores goods for third parties.
Does property insurance cover stored goods?
Your property policy covers inventory YOU own. Goods belonging to others require warehouse legal liability or bailee's customer coverage.
How much does warehouse insurance cost?
Costs vary widely based on building size, goods stored, and coverage limits. A typical 20,000 sq ft warehouse might pay $5,000–$15,000/year for a comprehensive package.