Coronavirus help and support for our insurance customers

Warehouse Insurance

Our cover for warehouses offers stock, liability and buildings insurance under a single tailored policy.

  • We can cover industrial units including those also used as an office
  • Specialist advisers can help you tailor warehouse cover to meet your business needs
  • Stock cover arranged on a periodic declaration basis to cater for seasonal increases for busy times of the year

Request a warehouse insurance quote online

Get a quote error retrieving broker login link

Call our dedicated team to talk through your options:

0344 892 1664
0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm
Can’t get through right now? Request a callback

Features of our warehouse insurance include:

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 the effects of escape of water, accidental damage, fire and more (see your policy document for full details). Malicious damage can also be added to your policy.

Product liability and stock cover

We can offer product liability cover limits from £1 million up to £10 million to suit the size of your warehouse, including for products sold outside of the UK. Our stock and contents cover insures property within your warehouse on a new-for-old replacement basis, and we can offer flexible limits for stock to cater for busy times of the year.

Employers' liability cover

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 using tools and equipment (for example forklift trucks) where you are at fault.

Warehouse public liability insurance

Public liability insurance for your warehouse covers you for claims against you from third-party visitors who have been injured due to your negligence. Our warehouse insurance policy includes flexible limits of indemnity tailored to your requirements.

Warehouse Insurance Claims

If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Call us on:

0344 892 1384

We're here to help Mon-Fri, 9am-5pm

Warehouse Insurance Articles & Guides

Read more about business from Towergate:

Directors And Officers

insurance guide

Office Insurance Explained

Read our guide to office insurance for in-depth explanations of the features, exclusions and optional cover to make sure your office and business is properly protected.

View insurance guide

insurance guide

What is Liability Insurance?

There are three main types of liability insurance. Each has a slightly different focus and will protect your business from different, potentially costly, scenarios. If you've ever asked yourself "What is liability insurance?" then look no further - our guide explains what these different covers offer.

Stock Insurance 1

insurance guide

Shop Insurance Guide

Our guide explains the features and exclusions of shop and retail insurance.

Warehouse Insurance FAQs

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

No. Our warehouse insurance can be made bespoke for your 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.

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

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. If in doubt, call one of our advisers and they will be happy to help.

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

Yes, our warehouse insurance can cover both standard storage of goods and products and use of the building for office purposes.

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

Our warehouse insurance can include business interruption cover to recompense loss of profit if you have to close your premises to fix the problems caused by an incident for which you are covered, such as a break in, burst pipe, fire, etc. Check your policy document for details of which incidents you are covered for.

Can you cover goods-in-transit?

Yes, we can insure your stock when it is being portrayed between your warehouse and a shop, vendors or customers, as long as it is in your own business vehicles. If in doubt, call one of our advisers and they will be happy to help.

Can you cover extra stock for busy times of year?

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

Can I pay in instalments?

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.

Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.