Warehouse Insurance
Helping warehouses to operate with confidence
The nature of the warehouse and distribution industry means facing constantly changing logistical challenges. At Travelers, we understand that businesses need more than a generic commercial combined insurance product; that’s why we offer flexible cover that works as hard as the businesses it serves.
The ever-growing prominence of online sales over the past two decades has led to a new landscape and growth opportunities for warehouse, distribution and wholesale businesses. With Travelers, businesses can take full advantage of these opportunities with the confidence to stock up and distribute nationwide and beyond.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Motor vehicle supplies and spares
- Home furnishings
- Construction materials
- Electrical apparatus and supplies
- Hardware
- Plumbing and heating equipment
- Industrial machinery and equipment
- Clothing
- Groceries
- Fresh fruit and vegetables
- Beer and wine
- Flowers
We’ll consider
We may need more information to confirm a fit.
- Furniture
- Office equipment
- Computers/computer equipment
- Electrical appliances
- Sporting and recreational goods
- Toys
- Paper
- Packaged frozen foods
- Dairy, meat and fish
- Plastics
- Paint, varnishes etc.
We do not cover
Sorry, we’re currently unable to insure the following.
- Tyres
- Unused motor parts
- Coal and other minerals and ores
- Scrap and waste materials
- Jewellery, precious stones and metals
- Grains
- Chemicals
Warehouse covers & highlights
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Property damage
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Goods in transit
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Money and personal accident (assault)
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Employers’ liability
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Deterioration of stock*
*Talk to us about the most appropriate months for your client's seasonal needs, we’re flexible.
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Computer all risks
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Business interruption
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Public and products liability
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Minimum premium £10,000 per annum
Add-ons & extensions
These items may be available to add on to your policy
Property damage
Exhibitions covers property at an exhibition, including transit to and from, within the territorial limits.
Condemnation of undamaged property covers the loss of undamaged property condemned by regulatory authorities.
Non-ferrous metals (NFM) commodity index recognises the volatility of NFM pricing linking the replacement cost to an appropriate index with a 25% overall coverage uplift to accommodate cost increases.
£25,000 limit as standard across property damage covers with increased limits available.
Deterioration of stock
Combined property damage and increased cost of working (ICOW) limit provides a blended property damage and increase in cost of working limit following a change in temperature.
£25,000 as standard limit and cover extends to cover the resulting business interruption (BI) loss.
Business interruption
Network security provides limited protection to the business following a targeted hacking or virus attack on the insured’s computer or telecommunications system.
Unspecified suppliers protection for an event, such as a fire, at any unspecified suppliers based in the UK that causes an interruption to business.
Marine stock throughput policy
We understand that for some businesses, it may be more efficient to insure stock on a marine stock throughput policy.
Travelers can discuss how the marine policy could dovetail with existing cover under this policy, to build an optimal insurance programme.
Visit our marine insurance page for complete marine offerings.
General questions
These questions will give you a sense of the information needed to write a policy.
- Is your building re-build value up to date and accurate?
- Are there any composite panels in the construction? If so, what type of panels are they (including the core material)?
- Is there any high racking in the warehouse? If so, does it impede any fitted sprinkler system?
Let's get specific
These are the kinds of detailed questions we will ask to better understand day-to-day operations.
Does your warehouse hold any of the following?
- Wine and spirits
- Tobacco
- Precious metals
If so, these would be considered high-risk stock and therefore need to be split out on the policy schedule.
Related products
Retail & warehouse
As a specialist retail and warehouse insurer, we can help build bespoke insurance solutions that include non-conventional and split programmes.
Retail
From customer ‘slips, trips and falls’ to employee material handling exposures, we understand the unique challenges retailers face and offer bespoke products designed to protect against them.
Cyber
Every company faces cyber threats and risks. Cyber cover helps businesses deal with the increasing complexity of digital crime.
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
For brokers
Let’s save some time
We can figure out what’s best for your client when we’ve got the right information. Please review the questions on this page to get a sense of what we need to know.
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