What Kind Of Insurance Do I Need to Start a Warehouse and Logistics Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 28
- 2 min read
Starting a warehouse and logistics business is a strategic move in today’s supply chain-driven economy. But with opportunity comes risk—and protecting your business from day one is essential. From property damage to liability claims, the right insurance coverage ensures your operations stay secure and profitable.
At Wexford Insurance, we specialize in commercial insurance for warehouse operators and logistics contractors. This guide outlines the key types of insurance you’ll need to launch and protect your business.
This is the foundation of any business insurance plan. General liability protects your warehouse or logistics company from third-party claims involving bodily injury, property damage, or legal expenses. With trucks, vendors, and employees constantly moving through your facility, accidents can happen—and this coverage helps you manage those risks.
Your warehouse is more than a building—it’s the heart of your business. Commercial property insurance covers damage to your facility and its contents due to fire, theft, storms, or other covered events. This includes inventory, equipment, and infrastructure critical to your operations.
Warehouse work is physically demanding, and injuries can occur. Workers compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees injured on the job. It’s legally required in most states and essential for
protecting your workforce and your business.
If your logistics business involves transportation, you’ll need commercial auto insurance. This policy covers vehicles used for deliveries, pickups, and freight movement. It protects against accidents, liability claims, and damage to your fleet.
Forklifts, conveyors, refrigeration units, and other machinery are vital to warehouse operations. Equipment breakdown insurance covers repair or replacement costs due to mechanical failure, power surges, or operator error—losses that standard property insurance may not cover.
6. Warehouse Legal Liability Insurance
If you store goods for other businesses, this coverage is essential. Warehouse legal liability insurance protects you from claims related to damaged or lost inventory due to negligence. It’s especially important for third-party logistics (3PL) providers.
Final Thoughts
Insurance isn’t just a safety net—it’s a strategic asset. The right coverage protects your warehouse and logistics business from financial loss, legal exposure, and operational disruption. At Wexford Insurance, we understand the unique risks of the logistics industry and offer tailored solutions to help you launch and grow with confidence.
Ready to protect your business?
Contact Wexford Insurance to speak with a specialist today.
