Commercial industry
Warehousing and Storage Insurance
If the goods on the rack are not yours, a building policy is only half the file. Warehouse legal liability (or a bailee form) responds when you are legally liable for damage to stored goods. The building, the racks, the lift trucks, and the yard trucks are the rest.
We place commercial warehouses and storage operators. Public self-storage with habitational-style access is a different class — tell us which you are. Wholesale distributors who own the goods should start on the wholesale page.
Risks we actually schedule
- Sprinkler, collapse, or theft losses to customers’ goods.
- A building undervalued for replacement cost and ordinance-or-law.
- Lift-truck and yard-truck auto or equipment claims.
- Temperature-controlled rooms without equipment-breakdown and spoilage.
Frequently asked questions
Our contract says we are not liable for customer goods. Are we fine?
Contracts fail, and some claims (your negligence, your sprinkler) still find you. Warehouse legal liability is inexpensive compared with a denied cargo-style argument.
Are forklifts auto or equipment?
If they stay on the premises they are often equipment. If they enter a street or a public dock apron, we look at auto. Tell us how they move.
Do you write cold storage?
Yes, with equipment breakdown and spoilage at real limits. A dry-warehouse form will not do that job.
Related coverage, industries, and locations
Commercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsWholesale and Distribution
Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.
Industry pageManufacturing
Products liability, property, equipment breakdown, and the payroll story of a plant that actually makes things.
Industry pageCommercial Lessors
Owners of office, retail, and light industrial buildings — lessors risk, not a habitational apartment form.
Industry pageTexas
Licensed commercial insurance broker serving Texas.
State page