Warehouse Legal Liability Insurance

What Is Warehouse Legal Liability Insurance?

Warehouse legal liability insurance is insurance for warehouse storage operations. It helps cover a business as a bailee, or in other words, a business entrusted with the property of another, for direct physical loss or damage of property that happens during storage, cross-docking, packaging, labeling or other services provided by the bailee.
Carrier Logistics Choice insurance from The Hartford can be added to our warehouse legal liability insurance to consolidate and simplify the process of covering goods while they are in a policyholder’s warehouse and in transit.
Under The Hartford’s Inland Marine Insurance, our Warehouse and Logistics Choice policy provides optional coverage that can help businesses protect cargo in both their main warehouse and other overflow warehouses. This gives businesses the flexibility to expand operations beyond their current facilities or shrink capacity based on their business needs.

Preguntas Frecuentes

A Warehouse and Logistics Choice insurance policy from The Hartford provides a range of coverages to help protect warehouse operators against losses
related to the moving and storage of goods entrusted to them as bailees. Our warehouse liability insurance can help provide coverage for:
Tangible property. Warehouse and Logistics Choice insurance coverage from The Hartford covers any tangible property a policyholder's business accepts while acting as a warehouse operator or bailee. This policy also offers up to $50,000 to cover damage to the following items:
  • Forklifts
  • Tools
  • Hand trucks
  • Rack systems
  • Computers
  • Networking systems and any other personal property used in a warehouse and logistics business
Accounts receivable. Our warehouse legal liability policy provides coverage designed to help protect accounts receivable. For example, if a covered loss results in direct physical damage to a warehouse’s electronic records, warehouse legal liability coverage from The Hartford will provide up to $5,000 coverage for payment amounts due from customers that the policyholder is unable to collect. This coverage also provides warehouses with coverage to help cover costs to restore and replace missing accounts receivable records.
Valuable papers, data, and software. In addition to accounts receivable coverage, our warehouse legal liability insurance policy provides coverage for valuable papers, data, and software. In the event that valuable papers, data and software are lost, damaged or destroyed, warehouse liability insurance from The Hartford can provide up to $10,000 to restore, repair, replace, or reproduce them.
Physical loss or damage to new property. Warehouse operators legal liability insurance from The Hartford includes up to $500,000 to cover a policyholder’s legal liability for direct physical loss or damage to newly acquired, covered property for up to 90 days.
Damage or loss of fixtures and equipment in leased buildings. Our warehouse liability insurance automatically includes $25,000 to cover direct physical damage to, or loss of, fixtures and equipment that are installed in a leased or rented building.
Earned storage and freight charges. The Hartford’s warehouse legal liability policy can provide up to $25,000 in coverage for earned storage and freight charges that a policyholder is unable to collect due to a covered loss.
Debris removal and pollution cleanup. Our warehouse legal liability also provides warehouseman’s insurance coverage for debris removal and pollution cleanup after a covered loss. The Hartford can provide up to $50,000 or 25% of the amount payable for direct physical loss before the deductible, to help cover the expenses for debris removal. If a policy holding business is legally obligated to clean up pollutants after an accident, The Hartford’s warehouse and logistics insurance policy can provide up to $25,000 per policy to help do so.
Losses due to change in temperature or humidity. If property is damaged because of a change in temperature or humidity as a result of a mechanical breakdown from a warehouse’s or truck’s heating or cooling systems, then a warehouse legal liability policy from The Hartford can provide up to $50,000 to help cover the costs of the loss.
Missing property. In the event that covered property goes missing for unexplained reasons, warehouse operators legal liability insurance from The Hartford can provide another $50,000 to help cover the cost of the missing property.
Warehouse legal liability insurance from The Hartford provides broad carrier liability coverage for businesses that transport the goods of others by truck.
Property on policyholders’ vehicles. Warehouse and Logistics Choice insurance from The Hartford provides carrier liability coverage for businesses that transport the goods of others by truck. Importantly, this liability coverage is not limited to only goods that are in transit. It also extends to property that is in the policyholder’s custody and control, including property that is on trucks that are owned and leased by the policyholder.
Property transported by other vendors. Our warehouse legal liability insurance can cover a contingent carrier’s liability. This means that policyholders can subcontract to have property transported by other vendors and still be covered under their own warehouse legal liability policy.
Unscheduled premises. The Hartford’s unscheduled premises benefit can be added to our warehouse insurance policy. This benefit helps extend liability coverage to other warehouse operators or bailees with whom the policyholder is storing customers’ goods and property. This enables warehouse and logistics businesses to take on more work without being required to immediately update their policy at times when they exceed capacity and need to use another business’s storage space
Employee dishonesty. Warehouse legal liability insurance from The Hartford also provides coverage for employee dishonesty. In the event that there is direct physical loss of covered property due to fraudulent, dishonest or criminal acts by a policyholder’s employees, our warehouse liability insurance can help cover the cost of damage.
The Hartford understands that warehouse and logistics businesses come in different sizes and each has unique needs. That’s why we offer a broad range of coverage and pricing options.
Industry leading claims service. The Hartford offers and industry-leading claims experience with a team of specialists experienced in handling warehouse legal liability claims of every size with empathy and professionalism. They offer round the clock support to help ease businesses through their claims experience as easily and painlessly as possible. This is just one of the reasons why customers rate their claims experience with The Hartford as among the best in the industry.
Loss control services. Some businesses that purchase a warehouse insurance policy from The Hartford work with our risk engineering team to find ways to reduce risk and improve the safety of their facilities and operations. This often helps businesses reduce costs and improve productivity.
Talk to your insurance agent or a representative at The Hartford today about how warehouse legal liability insurance from The Hartford can help protect your business.
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Inland Marine Appetite Guide

To find out what Marine coverages are recommended for your industry, view the appetite guide.

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La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
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