Dec 12 2025 18:11
Warehouses & Distribution: Coverage for Every Stop in the Supply Chain
Warehousing & Distribution Insurance Built for Modern Logistics
Today’s warehousing and distribution operations face more risk—and more complexity—than ever before. From large-scale property exposures to goods constantly on the move, protecting assets across the entire supply chain requires insurance solutions designed for real-world logistics.
We have policies for Warehousing & Distribution that deliver tailored property and transit protection built to meet the demands of modern operations, whether assets are stored, transported, or in transition.
Comprehensive Property Protection
We offer flexible property insurance solutions with capacity designed for both standalone risks and large programs.
Highlights
- Primary limits up to $50M
- Participation of up to $50M within a $500M Total Insured Value (TIV) program
- Primary, excess, or full value basis
- 100% Replacement Cost Coverage
- Tier 1 wind zones currently available with Ex-Named Windstorm terms
- Ability to cover multiple locations on a single schedule
Whether you operate one facility or a nationwide footprint, our coverage is built to scale with your business.
Why Choose Us?
Our advantage lies in the balance of capacity, service, and underwriting expertise:
- A blend of exclusive capacity, underwriting access, and service quality
- Markets available for high-risk properties, including locations up to 35K MP
- Fast, single-carrier claims handling for a smoother claims experience
- Flexible solutions for complex, multi-location schedules
We understand logistics risk—and we know how to insure it.
Coverage That Moves with Your Goods
Distribution doesn’t stop at the warehouse doors. That’s why we offer a full suite of coverages designed to protect assets throughout the distribution process.
Auto Ph ysical Damage (APD)
Coverage for all risks of direct physical loss of or direct physical damage to any automobile in the automobile schedule, occurring within the USA, district of Columbia and Canada. Highlights Include:
- Gap Coverage
- Excess APD options
- Rental Reimbursement
- No Co-Insurance Clause
Motor Truck Cargo (MTC)
Coverage of direct physical loss of or direct physical damage to lawful cargo, from an external cause carried in and/or on a truck whilst in the insured’s care, custody or control in the ordinary course of transit, including loading & unloading. Coverage Features:
- Primary limits up to $100,000
- Flexible rating options based on:
- Mileage
- Gross receipts
- Per power unit
Stock Throughput
Provides end-to-end coverage for goods from production through final delivery, including transit, packing, and storage, excluding damage arising from the manufacturing process. Coverage applies whether goods are on the insured’s premises or with subcontractors, providing seamless protection across the supply chain. Covers:
- Raw materials
- Work in progress
- Finished goods
Ocean Marine Cargo
Designed protection for goods shipped by sea, covering physical loss or damage during transit, handling, and storage throughout the voyage. It safeguards cargo from the point of departure to final destination, including time spent at ports or in transit hubs, while excluding losses arising from inherent vice or improper packaging. Benefits Include:
- Seamless and flexible coverage
- Protection for third-party stock locations
- A simpler, more efficient claims experience
Not Sure What You Need? We’re Here to Help.
Every operation is different, and the more information you can provide, the better we can tailor coverage to your needs.
Warehouse Property
- ACORD Application
- Three years of loss runs (if applicable)
- Statement of Values (SOV)
Distribution Process
