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If other people's goods sit in your building, your exposure is bigger than the building — and it needs a coverage most property policies exclude.
What's stored (commodity type and value), square footage, sprinkler and fire protection status, building age, and security. Cold storage and high-value goods price differently than general merchandise — accurate commodity descriptions at quote time prevent ugly surprises at claim time.
Warehouse legal liability is the most commonly missed coverage we see on storage operations — owners discover the gap when a customer's goods burn and their property policy says “not yours.” We write warehouse programs that cover the goods, not just the walls.
Two-minute form or one call. We shop multiple carriers and come back with options explained line by line.
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