Warehouse & Distribution Centre Insurance

Specialist insurance for warehouses, storage depots and distribution centres

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We compare quotes from leading insurers

  • Allianz insurance logo
  • Aviva insurance logo
  • QBE insurance logo
  • RSA insurance logo
  • Zurich insurance logo
  • NIG insurance logo

INSURANCE DESIGNED FOR WAREHOUSING & DISTRIBUTION

  • Insurance cover icon

    PROPERTY & BUILDINGS

  • Liability protection icon

    STOCK & GOODS

  • Business interruption icon

    PUBLIC & EMPLOYERS’ LIABILITY

  • Cyber and equipment cover icon

    BUSINESS INTERRUPTION

Why Warehouse Insurance Is Essential

Warehouses and distribution centres face significant risks including fire, flood, theft, stock damage, forklift accidents and liability exposures. Warehouse & Distribution Centre Insurance protects your premises, stored goods, staff and business continuity.

What Warehouse & Distribution Insurance Covers

  • Warehouse buildings and storage units
  • Stock, goods in storage and customers’ goods
  • Fire, flood, storm and escape of water
  • Theft, vandalism and malicious damage
  • Business interruption and loss of income
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Who Needs Warehouse & Distribution Centre Insurance?

  • Warehouses and storage facilities
  • Distribution and fulfilment centres
  • Third-party logistics (3PL) operators
  • Wholesale and bulk storage businesses
  • E-commerce fulfilment warehouses

FREQUENTLY ASKED QUESTIONS

+-What does warehouse insurance cover?

It covers warehouse buildings, stored goods, liability risks and business interruption following insured events such as fire, flood or theft.

+-Are customers’ goods covered?

Yes. Cover can be arranged for customers’ goods held in trust, subject to declared values and policy terms.

+-Is business interruption included?

Yes. Business interruption insurance can cover loss of income and ongoing costs following insured damage to your warehouse.

+-Does this cover forklift and loading risks?

Liability cover applies to accidents involving forklifts, loading bays and warehouse operations, subject to policy conditions.

+-Is warehouse insurance legally required?

Employers’ Liability is legally required if you employ staff. Other covers are not compulsory but are strongly recommended.

Related Covers

Warehouse and distribution cover should link into buildings, stock, transit responsibility and operational continuity pages.

Core Warehouse Cover

Transit & Continuity

Specialist Storage

Storage facility insurance review points

Storage facility insurance works best when the policy reflects how the premises is used, what is stored, who controls access, and how quickly trading would recover after damage, theft or equipment failure.

For warehouse distribution enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.

Risk details insurers check

  • Storage activity, tenant access, stock ownership and goods held in trust
  • Buildings, racking, handling equipment, refrigeration or specialist storage systems
  • Security, fire protection, flood exposure, housekeeping and incident history

Cover areas to compare

  • Buildings, contents, stock, customer goods and business interruption
  • Public liability, employers' liability and goods in transit where relevant
  • Equipment breakdown, theft, deterioration of stock and temporary closure extensions

Quote preparation

  • Prepare rebuild values, stock limits, equipment schedules and peak storage values
  • Separate customer-owned goods, own stock, vehicles and third-party contractor exposure
  • Share alarm, CCTV, fire-risk, maintenance and claims evidence before renewal