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Commercial Insurance | Warehouse Logistics and Storage

Warehouse Logistics and Storage

Mini-warehouses are an extension of the client’s basement or business. Any items may be stored, and access is limited to the clients themselves.

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Coverage Options

Property Exposures

Property exposures are largely unknown because there are no requirements regarding disclosure of contents. While there may be leases or contracts to prevent the storage of flammables and hazardous materials, violations are not usually noted until after the loss.

Crime Exposures

Crime losses may be high, especially from fidelity. It is important to evaluate all potential exposures to crime losses.

Inland Marine Loss Potential

Inland marine loss potential centres around Warehousemen’s Legal Liability. What controls are in place to protect the customers’ goods while in storage? Locks should be changed regularly. Are there firewalls between spaces?

Occupiers’ Liability

Occupiers’ liability is not a high concern if visitor or customer access is limited. However, in the case of mini-warehousing, exposures increase due to the regular visits by clients to their spaces. There must be adequate security in place. Lighting and fencing are very important. In some cases, 24-hour security is appropriate.

Automobile Liability

Automobile liability exposure depends on whether or not pickup and delivery services are offered. If they are, exposure is significant. Frequency, radius, age, and condition of vehicles, as well as age, training, and records of drivers, are evaluation concerns.

Workplace Safety Exposures

Workplace safety exposures can be extensive if packing is offered. However, the exposure may be office-only if only storage services are available. The major exposure is eviction and execution of the Warehousemen’s Lien. Back and lifting injuries, hernia, sprain, and strain may occur as spaces are cleared out. Renters may become angry. The training of workers in material lifting and conveying devices is important, along with the ability to work with unhappy clients.

Why Insure Your Warehouse Logistics and Storage Business?

Warehouse logistics and storage businesses face unique risks, including property damage, crime exposure, liability for customers’ goods, and workplace injuries. Comprehensive insurance coverage protects your business from these risks, ensuring smooth operations and financial stability.

Who Needs Warehouse Logistics and Storage Insurance?

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Mini-warehouse storage facilities

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Self-storage businesses

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Commercial warehouse operations

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KRGinsure: Your Coverage Expert

At KRGinsure, we understand the unique challenges faced by warehouse logistics and storage businesses. Our dedicated brokers are here to help you design a tailored insurance program that meets the specific needs of your operation. We provide expert advice on risk management and ensure that you have the right coverage in place to protect your operations.

Contact KRGinsure today to learn more about our comprehensive warehouse logistics and storage insurance solutions and how we can help safeguard your business.

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