Protect your warehouse, stored goods and business operations with warehouse insurance solutions suited to your facility and risk profile.
Warehouses often hold valuable inventory, equipment and machinery that represent a significant part of a business's operations. Warehouse buildings, stock and equipment can face unexpected risks such as fire, natural events, theft or accidental damage, and the resulting losses can affect both property and business continuity.
Warehouse insurance can help reduce this financial exposure, subject to the terms, conditions and exclusions of the policy chosen. The right coverage for a warehouse depends on factors such as the type of facility, the goods stored, its location, day-to-day operations and overall risk profile.
Coverage varies by policy and insurer. The categories below are commonly available options — actual coverage depends on the selected policy, exclusions, limits and terms.
Protection for eligible damage to the warehouse structure.
Protection for eligible loss or damage to goods stored inside the warehouse.
Coverage options for fire and specified insured events, subject to policy terms.
Optional protection against eligible theft or burglary losses.
Coverage options for eligible warehouse equipment and machinery.
Depending on the policy, protection may be available for storms, floods or other specified natural perils.
Optional coverage that may help address eligible loss of income or additional expenses after an insured event.
Depending on the policy structure, liability-related protection may be available.
Note: The categories above are not automatically included in every policy. Please review the applicable policy document for exact terms, conditions and exclusions.
Warehouses can be exposed to a range of risks. Whether a specific risk is covered depends on the policy you choose.
Actual coverage for these risks depends on the specific policy, insurer, exclusions, limits and terms selected.
The following are common types of policies used for warehouse-related risks. This overview is educational and not a substitute for the specific policy wording.
For eligible physical damage to warehouse premises and property.
For eligible loss or damage to stored goods.
For specified insured events, subject to policy terms.
For eligible theft/burglary-related losses.
For eligible financial impact after an insured loss.
For eligible third-party liability exposures.
Guidance oriented around warehouse buildings, stored goods and facility operations.
Share your warehouse details once and explore suitable coverage options.
Assistance based on your specific warehouse type, location and stock profile.
From general warehousing to cold storage and fulfilment centres.
Assistance in understanding the coverage options that may be relevant to your warehouse.
Connect with suitable insurance solutions through a single enquiry form.
Every warehouse has different assets, operations and risks. Share your requirements and explore insurance options suited to your warehouse.
Tell us about your warehouse and insurance requirements. Our team can help you explore suitable coverage options.
Warehouse insurance is a category of commercial insurance that can help protect a warehouse building, stored goods and related assets against eligible risks, depending on the policy selected.
Depending on the policy, coverage may include the warehouse structure, stored stock and inventory, fire and specified perils, theft or burglary, equipment and machinery, and optional add-ons such as business interruption or liability protection.
Stock and inventory coverage is commonly available as part of warehouse insurance, subject to the policy terms, declared stock value and applicable exclusions.
Leased, rented and owned warehouses can generally be considered for insurance. The applicable coverage and insurable interest may vary depending on the ownership and lease arrangement.
Cold storage and temperature-controlled facilities may be eligible for insurance, though coverage and underwriting requirements can differ from general warehouses depending on the insurer.
Business interruption coverage may be available as an optional add-on with certain policies, subject to insurer terms and eligibility.
Theft and burglary coverage can often be included as part of a policy or added separately, depending on the insurer and the specific plan chosen.
The final premium is determined by the insurer based on applicable underwriting factors such as warehouse type, location, construction, stored goods, sum insured and selected coverage.
Basic details such as warehouse type, location, area, ownership, approximate warehouse and stock value, and the coverage you are interested in can help in exploring suitable options.
Many policies allow the warehouse building and stored stock to be insured together or separately, depending on the insurer and the policy structure selected.