Warehouse Insurance

Our cover for warehouses offers stock, racking, machinery, buildings and combined liability insurance under a single tailored policy. 

  • Flexible stock cover to cater for seasonal variations in stock sums insured
  • Can protect your business assets from unforeseen loss or damage such as fire, storm and theft, plus public, product and employers’ liability insurance claims
  • UK-based support

Call us on 0330 173 8908 or get a quote online.

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Why choose warehouse insurance with Towergate?

Building

Cover for industrial units

We can cover industrial units for a variety of occupations, including trade warehouses and storage, for your office and contents.

People

Tailored warehouse insurance

Our specialist advisers can help you arrange warehouse cover to meet your needs.

Claim

Professional warehouse claim assistance

Expert advice to help you with claims you face.

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Pay for your warehouse insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

About warehouse insurance

Building

Buildings insurance for your warehouse

Our warehouse insurance provides buildings cover to suit the size of your premises, protecting you against a range of insured perils including fire, flood, accidental damage and theft. We will tailor cover to meet your needs.

Liability

Product liability and stock cover

We can offer products liability insurance including cover for goods imported and exported elsewhere outside of the UK. Choose your limit available from £2 million up to £10 million (or higher). We recognise that trading and stock levels can fluctuate during the year and offer flexible cover so you can have the benefit of a maximum sum insured at your peak trading times during the year, with an adjustable premium based on monthly stock declarations. Remember, the valuation of stock is based on the replacement cost to you.

Shield

Warehouse public liability insurance

Public liability insurance for your warehouse covers you for injury and property damage claims made against you from visitors alleging negligence from your business activities. Our warehouse insurance policy includes flexible limits of indemnity tailored to your needs.

People

Employers' liability cover for warehouse owners

Employers' liability cover is a legal requirement for your warehouse if you employ staff. Our warehouse insurance policy can include this, covering you for safety-related incidents and accidents in the building, including when staff are injured whilst using your equipment such as lifting machinery and steps.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Warehouse insurance FAQs

No. Our warehouse insurance can be made to fit your specific business requirements, so you will only pay for what you need to cover. Our advisers can recommend a policy that will suit your own business.

Not all businesses are the same and we recognise that trading and stock levels can fluctuate during the year. We offer flexible stock cover on a monthly declaration basis, allowing you to pay a deposit premium for stock insurance, adjusted annually in arrears. You benefit as stock cover for the maximum sum insured at your peak trading times is arranged. All we ask is that you send us month end stock value declarations. This enables premiums to be charged on the averaged stock value held during the year, and you still have cover throughout up to the maximum stock value held.

Remember, the valuation of stock is based on the replacement cost to you not the end customer sales price.

No, if you are renting your unit you do not need buildings cover, so make sure you actually need this before adding it to your policy. It’s normal for a lease to require you to contribute to the landlord’s buildings insurance costs. For long term leases there may be contractual insurance clauses requiring you to arrange cover. Check with your legal advisers. If in doubt, call one of our advisers and they will be happy to help.

Yes, our warehouse insurance can cover both standard storage and office portions. This is very common and catered for. It’s important that you tell us how you use the property. We cover trade warehouses for contractors’ supplies, engineering and precision engineering parts, spares, clothing and the like.

Our warehouse insurance can include business interruption cover to recompense loss of net profit and those continuing variable overheads if you have to close your premises following an insured loss or damage, such as a break in, burst pipe, flood or fire.

We can discuss your requirements, as an important aspect of business interruption cover relates to the length of time you will be affected by a severe loss and get back to trading at the same pre-loss levels. This is called the Indemnity period and it usual for cover to range from 12, 18, 24 or 36 months, depending on the rebuild time of the property and the time to reconnect with lost clients.

Yes, we can insure your stock when it is being transported between your premises, to and from suppliers and exporters, as well as your deliveries out to your own customers. Cover will be tailored to the types of carriage - do you use solely your own business vehicles, or a combination of vehicles, post, couriers and hauliers. If in doubt, call one of our advisers and they will be happy to help.

Yes, we can provide three months of 'seasonal' cover, where you can increase your stock by an agreed percentage above your normal stock sum insured insurance limit, without needing to amend your policy cover. If you want to extend your policy to include this cover, just speak to your adviser.

For larger warehousing businesses with higher sums insured – arranging cover on a stock declaration basis may be the most flexible and economic solution for you. Ask us for details.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

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