Warehouse Insurance
Protect your warehouse and operations with innovative and customized insurance strategies, so you’re prepared when you need it most. Warehouse insurance is designed to help protect warehouse buildings, inventory, equipment, and liability exposure tied to storage, distribution, and day-to-day facility operations. Whether you run a small storage facility or a high-volume distribution warehouse, the right coverage helps keep one incident—fire, theft, water loss, or an injury claim—from becoming a major financial setback.
Protect your warehouse and operations with innovative and customized insurance strategies, so you’re prepared when you need it most. Warehouse insurance is designed to help protect warehouse buildings, inventory, equipment, and liability exposure tied to storage, distribution, and day-to-day facility operations. Whether you run a small storage facility or a high-volume distribution warehouse, the right coverage helps keep one incident—fire, theft, water loss, or an injury claim—from becoming a major financial setback.
Warehouse Building Coverage (Owned or Leased)
If you own the warehouse, coverage can help repair or rebuild the structure after a covered loss (fire, wind, hail, vandalism, and other covered events—policy terms apply). If you lease, coverage can be structured to help protect tenant improvements and build-outs you’ve invested in.
Inventory and Stock Coverage (Goods in Storage)
Warehouses often hold high-value stock. Coverage can help protect inventory from covered losses such as fire, theft, or certain water-related damage (coverage depends on the policy). We help you set limits that reflect real peak inventory levels—not just averages.
Business Personal Property (Equipment & Contents)
This helps protect business-owned equipment such as shelving, racking, forklifts (when eligible), pallet jacks, tools, office equipment, computers, and other contents. Proper limits matter because warehouse replacements can be expensive and time-sensitive.
Business Interruption (Lost Income After a Covered Loss)
If a covered claim forces you to pause operations, business interruption coverage can help replace eligible lost income and help pay certain continuing expenses while repairs are completed.
Equipment Breakdown (HVAC, Electrical, Refrigeration, Machinery)
Warehouses rely on critical systems—electrical panels, HVAC, compressors, conveyor systems, and sometimes refrigeration. Equipment breakdown coverage can help with covered repair or replacement costs when mechanical or electrical breakdown occurs.
General Liability (Premises & Operations)
Warehouses have higher foot traffic risk—drivers, vendors, employees, and visitors. General liability can help protect your business if someone is injured on-site or if you’re accused of causing property damage to others.
Workers’ Comp / Worker’s Comp (If You Have Employees)
If you have warehouse staff, worker’s comp helps protect your business when employees are injured on the job—especially important in environments with lifting, machinery, and material handling.
Commercial Auto and Hired/Non-Owned Auto (When Applicable)
If your business owns vehicles—or employees use personal vehicles for business errands—commercial auto and hired/non-owned auto coverage can help reduce auto-related liability exposure.
Cargo / Bailee and Customer Goods (If You Store Items for Others)
If you store goods that belong to customers, you may need coverage structured for property of others. This is especially important for third-party logistics (3PL) operations and warehouses that handle customer inventory.
Crime / Theft Protection
Warehouses are often targeted for theft. Crime coverage can help protect against certain theft and fraud-related losses—especially when inventory and financial transactions are involved.
Quick Answers People Search For:
What does warehouse insurance cover?
Typically: the building (if owned), inventory/stock, equipment/contents, liability, and optional coverage like business interruption and equipment breakdown. Coverage depends on the policy structure and endorsements.
Do I need warehouse insurance if I lease the building?
Often yes. Even if you don’t own the structure, you may still need coverage for your inventory, equipment, tenant improvements, and liability exposure.
How much warehouse insurance do I need?
A strong starting point is insuring inventory to realistic peak levels, insuring equipment to replacement cost, and adding business interruption coverage based on your revenue and operating expenses.
At StarNet Insurance Group, we make warehouse insurance clear and practical — so you can protect your facility, your inventory, and your business continuity with confidence.