Warehouse Liability Insurance — Coverage, Cost & Requirements

Warehouses face a complex mix of liability exposures: forklift accidents, falling goods, employee injuries in tight spaces, fire risk from stored materials, and third-party property damage when goods in your care are lost or damaged. If a client's inventory is destroyed in your facility — by fire, flood, or theft — you may be legally responsible for replacing it. Warehouse liability insurance is built around commercial general liability for third-party bodily injury and property damage, bailee's customer coverage for goods you store on behalf of others, commercial property for your building and equipment, workers compensation for your warehouse employees, and commercial auto for delivery vehicles operating from your facility.