Warehouse Insurance
Competitive Warehouse Contents Insurance Backed By Independent Advice
Warehouse Insurance
Looking for competitive warehouse insurance backed by outstanding customer care? Call the JMG Sandbach team today on 01782 308 372 and let our independent specialists compare the market to find you the warehouse contents and warehouse liability insurance that’s right for you. No matter what size or type of warehouse you have, we can help. For your competitive warehouse insurance quote, call us on 01782 308 372 or contact us and let us help you get the protection you need.
Why Get Your Warehouse Insurance From JMG Sandbach?
Since our founding in 1995, we’ve helped hundreds of warehouse owners and users get the insurance they need. Our clients choose us as we offer a fantastic combination of service and value that gives you:
- Highly competitive cover from leading insurers
- Personal service from quote to claim
- Independent advice
- Help from specialists who are warehouse insurance experts
To experience our exceptional service, call us on 01782 308 372 or contact us and let our team help you get the insurance that’s right for you.
What is warehouse insurance?
Warehouse insurance, commercial warehouse insurance or warehouse stock insurance, as it’s also known, provides warehouse owners with cover for multiple risks on one policy. With thefts from UK warehouses having hit record highs recently, with the British Standards Institution’s 2024 report showing thefts increased by 13%, it’s more important than ever to have high-quality warehouse and stock insurance in place.
What can warehouse insurance cover?
Common policy elements of manufacturing insurance include:
- Public liability insurance – or PL insurance as it’s also known – forms the basis of many warehouse policies. It protects you/your business in case a member of the public is accidentally injured or their property is damaged because of your work
- Employers’ liability insurance – or EL insurance – protects employers from compensation claims from their employees should they be sued for loss or injury at work. If you have people working for you, be they full-time, part-time, or contracted, then having employers’ liability insurance cover is a legal requirement. Failure to have a policy in place can lead to a £2,500 fine for each day you are without it. In law, the health and safety of your employees is essential, which is why you are legally required to protect your employees from incidents such as:
- Someone having an accident at work
- A member of staff developing a medical condition through their work
- One of your employees having their property damaged at work
- Cover you for at least £5 million of liability cover
- Be through an authorised insurer
- Your stock – including materials, parts, part-finished goods and goods owned by customers awaiting shipment. Our cover allows you to increase and decrease limits as you need, as your stock levels rise and fall at different times of the year
- A third party’s stock – from loss or damage
- Warehouse contents – protects office equipment, including computers, desks, and kitchen appliances, and can be extended to include machinery and equipment, such as forklifts, hi-loaders and palette trucks
- Commercial property insurance – if you own a warehouse, this can protect you financially should your building and related business-critical assets, such as yards, fences, storage huts, etc, be damaged or even destroyed
If you’d like some warehouse insurance advice, call us on 01782 308 372 or contact us and let our team help you get the insurance protection you need.
Who needs warehouse insurance?
Warehouse insurance through JMG Sandbach is flexible enough to protect most businesses, including:
- Warehouse owners
- Companies that use warehouses to store their goods
- Distribution firms
- Storage firms
- Logistics firms
- Businesses that rent warehouses/warehousing space
To experience our exceptional service, call us on 01782 308 372 or contact us and let our team help you get the insurance that’s right for you.
How much does warehouse insurance cost?
Your warehouse insurance premiums will be calculated based on factors such as:
- The level of cover you require
- Whether you need buildings insurance – if you are renting your warehouse, you won’t need to worry about this as it’s your landlord’s responsibility
- What it’s made from/the construction method
- Whether you have any employees, and if so, how many
- What you need cover for, e.g. stock, contents, etc.
- Its risk from flood or fire
- Your claims history
- Its postcode
- The size of your business
- Your level of excess
- What you are storing – riskier goods such as electronics or dangerous materials can push up your premiums
- The value of your stock
- The level of security at the site – patrolling guards, CCTV, burglar alarms, and fences can all help reduce quotes
- Whether you want to pay monthly or annually, annually will usually work out cheaper
Warehouse Insurance FAQ
Warehouse insurance can be a complicated area of cover. To help you get the cover you need, here are our warehouse insurance frequently asked questions. We hope they’ll be of use, but if you’d like some personalised, independent help, then please call us on 01782 308 372 or contact us and one of our insurance specialists will be happy to help.
No, but given the risks you run and the potential payout size, it’s well worth having it in place. If you have any employees, you will need to have employers’ liability insurance in place
Warehouse owners and businesses that rent warehousing space for storage or business operations
There are a few ways you can potentially save on your cover. Use an independent insurance broker such as JMG Sandbach, invest in health and safety training, undertake regular risk assessments and share these with your broker, and renew early so your broker can have the time they need to look at your options. If you’d like some advice or a warehouse insurance quote, call us on 01782 308 372 or contact us, and one of the team will be happy to give you all the help you need
Only if you own the warehouse, if you rent it, then it will be your landlord’s responsibility to take out commercial buildings insurance
Getting a quote is easy. You can get yours by calling us on 01782 308 372, or contact us, and one of the team will be happy to help you.