Warehouse insurance
A tailored warehouse insurance policy to protect your stock, contents, building, and operations from risk.
Why choose Premierline for your warehouse insurance?
We're commercial insurance experts
- At Premierline, we’ve been helping commercial and industrial businesses protect their operations for over 20 years. Our expert advisors understand the specific challenges of running a warehouse and the unique risks that come with it. When you choose Premierline, we’ll listen to your needs, compare quotes on your behalf, and help you arrange cover that fits your operation, ensuring you benefit from:
- A fully advised service from experienced insurance experts
- Access to leading warehouse insurance providers across the UK
- Tailored quotes for both small storage units and large distribution centres
- Advice on building, stock, vehicle, and warehouse keepers liability cover
- Hassle-free support from quote to renewal
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
What types of insurance do warehouses need?
There’s no one-size-fits-all policy. Your cover should reflect the type of stock you hold, the layout and size of your premises, and the nature of your day-to-day operations. Here are the key covers typically included in a warehouse insurance policy:
Public liability insurance
Public liability insurance is essential for any warehouse business. This cover provides:
- Protection if someone is injured on your premises
- Protection if someone’s property is damaged on your premises.
- Cover for legal fees and compensation, if injury or damage occurs.
For example, if a visiting contractor is injured during a site visit and a claim is made, this part of your warehouse insu
Employers' liability insurance
Employers’ liability insurance is a legal requirement if you employ staff. It protects against claims from employees:
- If they are injured at work
- If they are made ill due to work
For example, lifting injuries or exposure to hazardous materials in the warehouse.
Warehouse property insurance
Property insurance, also known as building insurance, this protects the structure of your warehouse, including walls, roof, and fittings, against:
- Damage from fire
- Flooding
- Vandalism
- Other insured events
Warehouse contents insurance
Contents cover protects the contents of your warehouse, including:
- IT equipment
- Racking
- Machinery
- Tools.
Often combined with stock insurance for a complete package.
Warehouse stock insurance
Protects the goods stored at your facility:
- Protects your own stock
- Protects clients stock
A must-have for warehouses managing large or high-value inventory.
Warehouse keepers' liability
If you store goods on behalf of others, this cover protects you while the items are in your care.
If items are:
- Lost
- Stolen
- Damaged
Also known as warehouse keepers insurance, it’s vital for 3PL providers and fulfilment centres.
Business Interruption Insurance
Interruption insurance provides financial support if you’re forced to halt operations due to an insured event, such as a fire or flood.
It covers:
- Lost income
- Additional costs like renting temporary premises
- Equipment replacement costs
Specified all risks
Covers named equipment or tools that move between sites, offering on-site and in-transit protection against:
- Theft
- Loss
- Accidental damage
Cyber and data insurance
With many warehouses relying on digital stock and inventory systems, cyber cover is a must. It protects against:
- Data breaches
- Ransomware
- Business interruption caused by cyberattacks
Goods in transit insurance
Protects stock while it’s being moved between locations, whether by your own vehicles or third-party couriers. Covers:
- Loading
- Unloading
- Transport
Commercial vehicle insurance
Cover for business vehicles can also be a valuable part of a warehouse insurance package if warehouse vehicles are used for:
- Deliveries
- Collections
- Employee travel.
Fleet cover is also available for businesses with multiple vehicles.
Statutory equipment inspection
Specialist equipment in warehouses comes with the need for inspections.
This cover protects you from inspection failure risks for equipment such as:
- Forklifts
- Lifts
- Hoists
Commercial legal protection
Known as legal expenses insurance, this covers legal expenses related to:
- Disputes
- Regulatory investigations
- Employment claims
- Contract disagreements.
For practical tips on warehouse safety, see our stacking and storing stock guidance.
Warehouse insurance FAQs
What is warehouse insurance?
Warehouse insurance is a tailored business insurance policy designed to protect warehouse operations against risks such as fire, theft, flood, equipment failure, and liability claims.
What type of insurance do warehouses need?
Typical cover includes property, contents, public liability, employers’ liability, stock, business interruption, and warehouse keepers’ liability.
What is warehouse keepers insurance?
It protects you if third-party goods stored at your warehouse are damaged, lost, or stolen. It’s a must-have for 3PL providers and fulfilment centres.
Does warehouse insurance cover goods in transit?
Yes. Goods in transit cover can be included in your policy to protect stock while it’s being transported, loaded, or unloaded.
Is warehouse contents insurance different from stock cover?
Yes. Contents insurance typically covers your business equipment and furnishings, while stock insurance protects the inventory stored on-site.
Can I insure multiple warehouses under one policy?
Yes. We can arrange a single warehouse insurance policy that covers multiple sites with varying stock and risk profiles.
Our customer reviews and testimonials
“Super service, helping us through the process of making a huge saving and supporting us. Thank you.”
Clothing Wholesaler
Customer since January 2025
Our independent customer reviews
How much does it cost to insure a warehouse?
Protect your warehouse operation with tailored insurance from trusted UK providers. Contact our experts today to build the right warehouse insurance package for your business.
Start your quote online or speak to an advisor now.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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