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Warehouse Insurance
Compare insurance for warehouses
Protect your equipment and stock with confidence
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Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like warehouses
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
warehouse insurance?
Warehouses are the backbone of businesses across the UK, storing everything from valuable inventory to essential machinery. But with so much going on in a risky business, it’s key to have the right insurance in place. Warehouse insurance can help protect your people, stock, equipment, and operations from the unexpected.
Whether you’re running a large manufacturing facility or a small warehouse, we’ll help you compare quotes and guide you through your options.
What types of warehouses need cover?
We can help the majority of warehoused based businesses, including but not limited to:
- Warehouses with refrigerated storage for perishable goods
- Small commercial units housing stock of equipment
- Hybrid spaces that combine warehousing with office operations
Can’t see your business type listed? It’s likely we can still help. Start a quote online to get started.
Why do warehouses need insurance?
Even the busiest warehouses face unexpected challenges. Having the right insurance in place could help cover you for things like:
- An employee gets injured while handling goods
- Your inventory is damaged by a flood or fire
- Your warehouse equipment is stolen or damaged
- A third party is injured on your premises
- You cause accidental damage to a rented facility
With the right cover in place, you can focus on running your warehouse without the worry of "what ifs."
What does warehouse insurance cover?
At Bionic, we know every warehouse is unique, so we offer a range of cover options to keep you protected. Policies will vary per provider for warehouse insurance, and limits and exclusions apply. Always refer to your policy wording for details. Your insurance package might include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events
Business equipment insurance
Protects your essential tools and equipment from theft or damages due to an insured event
What doesn’t it cover?
While warehouse insurance is designed to handle most risks, there are some things that it won’t cover, such as:
- Intentional damage – Damage caused on purpose isn’t covered
- Neglect – Failing to maintain equipment or secure your property may void your policy.
- General wear and tear – Normal ageing or wear on equipment, tools and machinery isn’t included.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does warehouse insurance cover cost?
Because all warehouses are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
"Protecting your warehouse is about safeguarding your stock, equipment, and operations so you can focus on growing your business without unnecessary worries."
James Barwell, Insurance Director
Do tools and machinery need to be covered?
Yes, your tools and machinery are key to your warehouse operations and insuring them means you are protected in case something unexpected happens.
Are goods in transit covered?
Goods in transit aren’t usually included as standard, but a small amount can be added to your policy to protect items being transported to or from your warehouse. However, if you are looking to move a large amount of goods or send them abroad, then it’s best to look into a separate cargo policy. We do not offer this at Bionic, but it’s likely we can insure your other business activities.
Get your warehouse covered with Bionic
Your warehouse is a vital part of your business, and protecting it from unexpected risks is key. At Bionic, we know UK businesses and can find you cover that fits. Whether it’s cover for stock, machinery, or liability, we’ll help you find a policy tailored to your needs.
Start your quote online today to compare business insurance quotes, or chat with our UK-team for support.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
FAQs
To help you understand more about business insurance, here are the answers to some of our most frequently asked questions.
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