Warehouse Insurance
A warehouse is a big steel envelope over a lot of value, and what gets stored and done inside it moves the premium more than the shed itself does. We arrange cover for owner-occupied units, leased industrial estates and third-party logistics operators, sized to what is really under the roof.
Quick Quote
60 secondsBuilding, contents and fit-out combined. A ballpark is fine.
The company, trust or individual name on the title or lease.
No obligation. Subject to eligibility and underwriting.
What warehouses need covered
The Shed and Its Structure
Large-span steel portal frames and profiled roof sheeting take a beating from hail and wind, and roof damage is the classic industrial claim because it lets water onto everything stacked below. The sum insured needs to carry demolition, debris removal and rebuilding to current codes, not just the original build cost.
Stock, Racking and Plant
Stock is often worth several times the building. It also fluctuates, so the declared value needs to reflect your peak, not your average, and racking and materials-handling gear should be scheduled rather than assumed to fall under the building.
Who Occupies the Space Changes the Premium
A dry-goods store and a spray-painting operation are different risks in an identical building. Hazardous processes, flammable stock and hot works must be disclosed, whether you run them or your tenant does, or a claim can be declined on non-disclosure.
Theft and After-Hours Security
Industrial estates are quiet at night, and roller doors, skylights and roof sheeting are the usual points of entry. Insurers price against your alarm monitoring, fencing and lighting, so getting the security schedule right is one of the few levers that genuinely moves an industrial premium.
Goods of Others in Your Care
If you store, pick or pack stock that belongs to your customers, your own contents cover does not extend to it. That exposure needs to be declared and covered specifically, and it is the gap we most often find on third-party logistics operators.
Business Interruption or Loss of Rent
Whether you occupy the warehouse or lease it out, the income stops while the roof is replaced. Occupiers need business interruption sized to how long it really takes to re-establish a distribution operation; owners need loss of rent for the same period.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Commercial Property Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Ready to get warehouses covered?
Tell us about the property in about 60 seconds and we come back to you with options.
Commercial Property Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).