Warehouse Insurance

Our cover for warehouses offers stock, racking, machinery, buildings and combined liability insurance under a single tailored policy. Flexible stock cover is available on a monthly declaration basis to cater for seasonal variations in stock sums insured during busy times of the year. Warehouse insurance can protect your business assets from unforeseen loss or damage such as fire, storm and theft and also include public, products and employers’ liability insurance claims.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm

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About Warehouse Insurance

Building

Cover for industrial units

We can cover industrial units for a variety of occupations, including trade warehouses & storage, including your office & contents  

Group

Tailored warehouse insurance

Our specialist advisers can help you arrange warehouse cover to meet your needs

Claim

Professional claim assistance

Expert advice to help you with claims you face

Direct Debit

Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit

Features of Warehouse Insurance

Standard cover

Buildings insurance for your warehouse

Our warehouse insurance provides buildings cover to suit the size of your premises, protecting you against a range of insured perils including fire, flood, accidental damage and theft. We will tailor cover to meet your needs.

Product liability and stock cover

We can offer products liability insurance including cover for goods imported and exported elsewhere outside of the UK. Choose your limit available from £2 million up to £10 million (or higher) We recognise that trading and stock levels can fluctuate during the year and offer flexible cover so you can have the benefit of a maximum sum insured at your peak trading times during the year, with an adjustable premium based on monthly stock declarations. Remember, the valuation of stock is based on the replacement cost to you.

Warehouse public liability insurance

Public liability insurance for your warehouse covers you for injury and property damage claims made against you from visitors alleging negligence from your business activities. Our warehouse insurance policy includes flexible limits of indemnity tailored to your needs.

Employers' liability cover for warehouse owners

Employers' liability cover is a legal requirement for your warehouse if you employ staff. Our warehouse insurance policy can include this, covering you for safety-related incidents and accidents in the building, including when staff are injured whilst using your equipment such as lifting machinery and steps.

Warehouse Insurance FAQs

Question

Is there a minimum level of cover I have to purchase?

Answer

No. Our warehouse insurance can be made to fit your specific business requirements, so you will only pay for what you need to cover. Our advisers can recommend a policy that will suit your own business.

Not all businesses are the same and we recognise that trading and stock levels can fluctuate during the year. We offer flexible stock cover on a monthly declaration basis, allowing you to pay a deposit premium for stock insurance, adjusted annually in arrears. You benefit as stock cover for the maximum sum insured at your peak trading times is arranged. All we ask is that you send us month end stock value declarations. This enables premiums to be charged on the averaged stock value held during the year, and you still have cover throughout up to the maximum stock value held.

Remember, the valuation of stock is based on the replacement cost to you not the end customer sales price.

Question

If I am renting warehouse space, do I need buildings cover?

Answer

No, if you are renting your unit you do not need buildings cover, so make sure you actually need this before adding it to your policy. It’s normal for a lease to require you to contribute to the landlord’s buildings insurance costs. For long term leases there may be contractual insurance clauses requiring you to arrange cover. Check with your legal advisers. If in doubt, call one of our advisers and they will be happy to help.

Question

Can you cover me if I also use my warehouse as an office?

Answer

Yes, our warehouse insurance can cover both standard storage and office portions. This is very common and catered for. It’s important that you tell us how you use the property. We cover trade warehouses for contractors’ supplies, engineering and precision engineering parts, spares, clothing and the like.

Question

Am I covered financially if I cannot use my warehouse due to an incident?

Answer

Our warehouse insurance can include business interruption cover to recompense loss of net profit and those continuing variable overheads if you have to close your premises following an insured loss or damage, such as a break in, burst pipe, flood or fire. We can discuss your requirements, as an important aspect of BI (Business Interruption) cover relates to the length of time you will be affected by a severe loss and get back to trading at the same pre-loss levels. This is called the Indemnity period and it usual for cover to range from 12, 18, 24 or 36 months, depending on the rebuild time of the property and the time to reconnect with lost clients.

Question

Can you cover goods-in-transit?

Answer

Yes, we can insure your stock when it is being transported between your premises, to and from suppliers and exporters, as well as your deliveries out to your own customers. Cover will be tailored to the types of carriage - do you use solely your own business vehicles, or a combination of vehicles, post, couriers and hauliers. If in doubt, call one of our advisers and they will be happy to help.

Question

Can you cover extra stock for busy times of year?

Answer

Yes, we can provide three months of 'seasonal' cover, where you can increase your stock by an agreed percentage above your normal stock sum insured insurance limit, without needing to amend your policy cover. If you want to extend your policy to include this cover, just speak to your adviser.

For larger warehousing businesses with higher sums insured – arranging cover on a stock declaration basis may be the most flexible and economic solution for you. Ask us for details.

Question

Can I pay in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim