Warehousing & Storage Facility Insurance — California

Coverage Overview

What’s Typically Covered

• GL — third-party injury and property damage on premises
• Bailee's liability — damage to customers' property in your care
• Commercial property — building, racking, and warehouse equipment
• Workers compensation for warehouse workers and forklift operators
• Commercial auto for forklifts, yard trucks, and delivery vehicles
• Equipment breakdown — conveyors, lifts, and material handling
• Business income / business interruption
• Commercial umbrella / excess liability

Why Our Carriers for This Class?

a leading admitted carrier rates warehousing & storage insurance as Acceptable in their underwriting guidelines — meaning they have consistent underwriting capacity and competitive rates for this type of business. As an independent broker appointed with multiple carriers, we access their programs and combine them with quotes from top-rated admitted carriers to find you the best combination of price and coverage.

Warehousing & Storage Insurance in California

General warehousing and storage operations generated 75 sold accounts and $180,078 in new business premium with a 41% hit rate. Bailee's liability — coverage for damage to customers' goods while in your care, custody, and control — is the defining coverage for this class. Standard commercial property covers your own property, not your customers'. Without bailee's coverage, a single incident of damage to stored goods can create a claim with no policy to respond. As a licensed California Property & Casualty Broker-Agent (CA Lic #0M51388), we are authorized to place this coverage for California businesses.

Coverage Details

Racking collapse is one of the most significant property and liability exposures in warehousing. A pallet rack failure in a busy warehouse can injure workers and destroy both your property and customers' stored goods simultaneously. We review your racking exposure and ensure your policy provides adequate limits for both property damage and the bailee's liability arising from goods stored in the affected area.

California — Independent Broker Advantage

Business Insurance Brokers LLC is licensed in California and places warehousing & storage insurance with top-rated admitted carriers for businesses in Los Angeles, San Francisco, San Diego, Sacramento and statewide. As an independent broker, we compare multiple carriers to find the most competitive rate for your specific operations and risk profile.