Warehouse Insurance

What Is Warehouse Insurance?

Warehouse insurance not only covers your stock but also a wide range of risks such as visits from suppliers, forklift truck drivers and your supply of products to your customers. Whether you operate from a small unit or a large commercial warehouse, you need reliable insurance that you can trust in case something goes wrong.

We can support the ongoing operation of your warehouse with the right level of protection. Our team will build a complete policy containing essential cover for your building, stock, contents, clients, suppliers, employees and commercial vehicles. If you have any questions, simply contact our team to discuss your requirements.

"I have been a customer of B&M insurance for many years now they work hard to get the best insurance at a very fair price, the staff are very professional and friendly. I can highly recommend them."

Core Warehouse Insurance Cover

Buildings, Contents & Stock

Without your building, you wouldn't have a business. It is extremely important to insure your premises as it secures your contents and stock which is how you make your money. In the worst case scenario, would you be able to afford to pay the rebuild cost of your building if a fire tore through it? With buildings insurance, if the structure of your building is damaged, you will be covered for the cost to repair it. Similarly if you insure your contents and stock with the correct amounts, if they are damaged after a disaster or are stolen, you will be entitled to claim for replacements instead of it negatively impacting your business financially.

Public Liability Insurance

It's likely that you will have visitors to your warehouse from suppliers, clients and other members of the public. It's vital that you have public liability insurance cover in place to defend against third party claims. For example, an item on your racks could fall on a supplier, a client could slip on a wet surface or you could spill a drink on their laptop resulting in a claim for damages. It's simple for us to add public liability cover into your policy to protect your business against compensation claims.

"Good communication, went the extra mile, and very happy with both quote and service. Highly recommend."

Employers Liability Insurance

Running a warehouse suggests that you probably employ members of staff for duties such as stacking shelves. If this is the case, it is a legal requirement to have employers liability insurance with a minimum cover of £10 million. This will shield your business from legal claims brought against you by your employees if they are injured or suffer illness in your warehouse. Claims from employees are common in a warehouse environment because they can fall over objects left on the floor, be hit by falling items stacked on shelves or have a collision involving a forklift truck. We can easily integrate this product into your policy to protect against such claims.

Product Liability Insurance

Supplying products from your warehouse to your customers inherently creates risk because the items can become faulty or defective. We would highly recommend taking out adequate levels of cover for product liability in case a client is injured or becomes ill after using a product that you have supplied. Claims arising from faulty products can not only be financially damaging to your business but can ruin your reputation.

Distribution of Goods

You may benefit from additional cover if you transport goods to and from your warehouse or hold stock at different locations. We can assist you with goods in transit cover and also protect your delivery vehicles against risks such as theft or criminal damage. Our policies are flexible and can incorporate cover for fleets including breakdown protection, European driving and courier services.

"I called B&M Insurance to get quite a complicated quote. The lady I spoke to Kate Parker was absolutely amazing. So easy to talk to, responsive and ultimately quoted me for what I needed. I would thoroughly recommend her and B&M."

Obtain Adequate Protection

We can prepare your warehouse insurance quotation quickly after comparing cover from multiple insurers for you. Our advice is impartial and most importantly, is aimed at helping you and your business. Our team has an abundance of experience providing business insurance across Greater Manchester and they thrive on helping business owners get the cover they deserve. Simply call us directly (no call queues) and we will take care of any uncertainties for you.