Warehouse and distribution insurance: coverage for storage and logistics operations.
Insurance for warehouses, distribution centers, and logistics companies.
Warehouses and distribution centers carry insurance exposure that matches their operational scale. Large inventories, heavy equipment, high employee counts, round-the-clock dock activity, and responsibility for storing other people’s property all create risks requiring purpose-built coverage.
GLS Insurance serves warehouse operators, third-party logistics (3PL) providers, cold storage facilities, fulfillment centers, and distribution companies across all 17 states in our territory — including the major logistics corridors of the I-70 corridor through Missouri, Kansas, and Indiana; the I-40 corridor through Tennessee, Arkansas, and Oklahoma; and the I-35 corridor through Texas, Oklahoma, and Kansas.
Coverage options for warehouse and distribution operations.
- Commercial Property Insurance — Covers your building, racking systems, forklifts, dock equipment, and office systems. Warehouses in tornado-prone states like Kansas, Oklahoma, Missouri, and South Dakota need strong wind and hail coverage with replacement cost provisions.
- Goods in Storage / Bailee’s Liability — The most distinctive coverage need for third-party warehouse operators. Covers damage to or loss of customer property while in your care, custody, and control. Without this, a fire, flood, sprinkler activation, or theft damaging a customer’s inventory creates an uncovered claim.
- General Liability Insurance — Covers bodily injury and property damage claims from warehouse operations including injuries to customers, truck drivers, and vendors on your premises.
- Workers’ Compensation — Warehouse workers face forklift accidents, heavy lifting injuries, falls from loading docks, and equipment hazards. Required in virtually every state in our territory.
- Cargo Insurance / Motor Truck Cargo — Covers the value of freight you are legally responsible for during transit if your operation includes transportation.
- Equipment Breakdown Insurance — Covers refrigeration systems, conveyor systems, and dock levelers against mechanical failure. For cold storage operations, a refrigeration breakdown can mean a total inventory loss.
- Cyber Liability — Warehouse management systems contain sensitive customer inventory data and are increasingly targeted by ransomware. An attack can halt operations and trigger liability to storage clients.
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Warehouse and Distribution Insurance | 17 States Quote Request
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