Storage Insurance Types Explained

Understanding the different types of insurance storage facilities need

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  • Allianz
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  • QBE
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  • Zurich

UNDERSTANDING STORAGE FACILITY INSURANCE (UK)

Storage facilities face multiple risk exposures - from employee injury and property damage to third-party goods, theft, fire and business interruption. This guide explains the main types of storage insurance available in the UK and how they work together.

Property & Buildings Insurance

Property insurance covers storage buildings, fixtures and fittings against risks such as fire, flood, storm, impact and malicious damage. It forms the foundation of most storage facility insurance programmes.

Employers’ Liability Insurance

Employers’ liability insurance is legally required if you employ staff. It covers injury or illness suffered by employees during their work, including manual handling injuries, forklift accidents and slips or falls.

Public Liability Insurance

Public liability insurance protects storage facilities against claims from customers, visitors or contractors who suffer injury or property damage at your premises.

Stock & Third-Party Goods Insurance

Storage operators holding goods belonging to customers may require cover for third-party stock. This can include bailee liability or goods-in-care, custody and control insurance.

Theft & Vandalism Insurance

Theft and vandalism cover protects against break-ins, malicious damage and stolen stock or equipment, subject to security conditions such as alarms, locks and CCTV.

Business Interruption Insurance

Business interruption insurance covers loss of income and increased costs if your storage facility cannot operate following an insured event such as fire, flood or major damage.

Combined Storage Facility Insurance Packages

Many storage operators choose combined insurance packages that bring property, liability, stock, theft and business interruption cover together under one policy for simplicity and cost efficiency.

How Insure24 Helps You Choose the Right Cover

  • Clear explanations of complex insurance types
  • Advice tailored to your storage operation
  • Access to specialist storage insurers
  • UK-based, FCA-compliant expert support

FREQUENTLY ASKED QUESTIONS

+-What insurance does a storage facility need?

Most storage facilities need employers’ liability, property insurance, public liability, theft cover and business interruption insurance.

+-Do I need insurance for customer goods in storage?

Yes. If you store goods belonging to customers, you may need bailee liability or third-party goods cover.

+-Is a combined storage insurance policy better?

Combined policies often provide broader protection, simpler management and better value than arranging separate covers.

+-Can insurance be tailored to specialist storage risks?

Yes. Cover can be tailored for cold storage, hazardous materials, high-value goods and regulated storage facilities.

+-Can Insure24 help compare storage insurance options?

Yes. Insure24 can explain the differences between cover types and help arrange the right insurance solution for your facility.

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