Metro Solutions Security

Get the Best Warehouse Insurance for Your Business

Achieve Peace of Mind with Metro Insurance

Our strength lies in the relationship with our clients. No matter how big or small your business, we take the time to understand who you are, what needs you have, and how we can help you grow. Let us prove why we're the best at offering solid coverages at seemingly unbeatable rates. Our philosophy is simple - if you're not a client, you're treated like one. That's because we want you to call Metro first when you have questions about insurance for your business.

Preparing for the Unexpected

Life is full of the unexpected. Sometimes when you think everything is going just fine suddenly something hits you from the blindside…. Something you never thought would or will happen happens. That is the unpredictability of life. Most people think they do not need good warehouse insurance until they do. They think their business and property is ok until disaster strikes. They think that accidents, fire, vandalism and other mishaps only happen to people that are not careful with their business. They go about their daily routine believing their warehouse and the goods or items stored in the facility is bulletproof. They believe that insurance is just another expense they don't need. True to form, most people only act when something happens. This is a reactionary response that might cost them thousands if not hundreds of thousands of dollars and possibly some lawsuits too. As a business owner, wouldn’t you want to have peace of mind by having good warehouse liability insurance coverage?

What is Warehouse Insurance?

According to the United States Uniform Commercial Code, warehousing operators assume liability for the goods and other items that they store in the facility in exchange for a fee. In short, warehouse operators are exposed to the threat of flood, theft, fire and damage of third-party materials that are kept in their facilities. If there is damage or loss of items stored in the warehouse, the third party needs to prove that the operator exercised negligence in due care over their possessions. Warehousing claims may also arise from lack of refrigeration, collapse of a roof, missing inventory and damage during handling, lack of maintenance from the facility and more. Regardless if you have a small or large warehouse, a one room or a large-scale facility, you need to protect yourself against possible liability with the right warehouse insurance coverage.

The insurance coverage offers protection in the scenario that there is negligence on the part of the warehouse resulting to damage to goods stored within it. An insurance policy may be crafted so as to cover the costs and to defend the company versus claims and pay settlements rendered against the company according to the terms of the insurance.

Why Get Warehouse Liability Insurance?

The lifeblood of any business is its products. It’s safe movement through the supply chain, from point of manufacture to delivery to the customer is vital to the success and reputation of the business. If your products are damaged and lost during transit or in the care of a third party such as a warehouse provider, the loss of revenue will probably range in the tens or hundreds of thousands of dollars with no measure in place to recoup fully those losses. You need the right warehouse liability insurance policy to protect your business from such an event.

Get the Right Warehouse Coverage

What is important to know is that not all insurance policies offer the same value. As some offer just basic insurance coverage but there are others that offer a more comprehensive policy to protect you from almost virtually any potential negligence claim against your company. It is for this reason that you need to deal with the right insurance provider to ensure that all your needs are taken care of. At Metro Insurance, we talk directly to our clients and get to know their business thoroughly so we can advise the best warehouse liability insurance policy for their needs.

Under the United States Uniform Commercial Code, warehouse operators need to follow a legal standard known simply as reasonable care, and if a warehousing operator does not take the necessary measures to protect a stored item, then the company may be liable for damages. It is therefore a paramount concern for warehouse companies not just to purchase warehouse insurance but more importantly the right warehouse liability insurance policy to protect themselves in the event that they are required to compensate customers for damaged or lost items.

A good example are “Acts of God”, these are normally listed as excluded from any basic warehouse insurance policy. This is because warehousing operators are not able to control forces of nature such as hurricanes, earthquakes and the like. However, there are scenarios where the warehouse operator might have liability. For instance, if the operator had advanced warning of a potential impending loss and could have taken reasonable measures to prevent damage to the goods stored within the facility, then they may be liable for damages. To illustrate this properly, suppose the warehouse was located along a lake or in an area that is susceptible to flooding from storms and there was evidence that the ground floor had flooded previously, resulting to damage to the stored items there. The company has a liability if there was failure to move the goods to a higher floor or to another location when there was already an advanced warning of flooding. In this scenario, the warehouse liability insurance will cover the cost of the damaged items. The insurance policy will protect the warehouse owner’s liability as a result.

What is Covered in a Warehouse Insurance Policy?

Depending on the kind of policy you need, any or all of the following may be covered such as:

  • Building and interior plus electrical
  • Equipment and corresponding accessories
  • Furniture, cables, piping and fixture
  • Plant & Machinery
  • raw material, in process and finished goods
  • Tools and other household goods
  • Art works
  • Manuscripts,
  • Plans, drawings,
  • Unset precious stones
  • Art work
  • Bullions
  • Paper Money
  • Computer Records
  • Stamps and coins
  • Accounting books
  • and much, much more.

What are the Typical Damage Causing Events a Warehouse Insurance Policy Covers?

This is an area that many business owners tend to overlook when looking for warehouse liability insurance coverage. Here are the Perils that that are covered in a warehouse insurance policy:

  • Fire
  • Explosion/Implosion
  • Hurricane, tornado, typhoon or cyclone
  • Impact caused by any railroad vehicle or animal
  • Bursting or overflowing of water tank system
  • Pollution and contamination
  • Bush Fire
  • Lightning
  • Missile testing operation
  • Leak from automatic sprinkler installation
  • Strikes, riots
  • malicious damage
  • Landslide or rockslide

Added Costs also Covered

After a disaster or accident such as fire or other mishaps at the warehouse, the warehousing company might need to consult architects and assessors in order to repair and rebuild, including the removal of debris from the spot. The additional costs from these may also be insured in the same policy by taking riders. However, the insurance company might pay these costs once certain conditions have been met. For instance, if the value is over and above a certain amount (excess clause) or up to a fixed amount (a certain percentage of total sum assured).

Let Metro Insurance guide you to selecting the right warehouse liability insurance coverage for your business. Our professional and courteous staff can analyze your specific exposures in order to know what you need. Give us a call today. We are more than happy to hear from you.

So… Why Choose Metro Insurance?

Just like in your industry, there are some people who are good at what we do, and there are some who are not so good. Metro Insurance has been in business for nearly three decades, servicing thousands of businesses just like yours. Some of our clients have even been with us since the beginning. We know we're doing something right. Our family-owned business has distinguished itself by building long-lasting, effective relationships with our clients

Fast Certificates - Metro's team of insurance professionals will be standing by to process your request swiftly and correctly. We record certificates using the latest technology available, ensuring unrivaled speed and accuracy. We even offer online certificates requests, 24/7, without sacrificing the personal touch and finesse our company has built it's reputation on.

Working for you - We are an independent broker, which means we work for you, and only you. We offer a vast and powerful range of top-rated carriers that can be custom tailored with your best interests in mind. We have access to many exclusive programs others just don't have, and we can prove we have a solution that's right for you. Our success has stemmed from servicing California's entrepreneurial spirit. Metro Insurance is a company that has been modeled to meet the needs of businesses just like yours. We take pride in offering the same products our national competitors provide, but with personalized, long-minded and effective relationships.

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