Warehouse Insurance

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. 

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." 

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. 

Warehouse insurance could start from £1.21 a day*

Because all warehouses are different, it’s difficult to give an actual figure for what you’ll be paying 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.  

_{*This price is for a commercial combined policy – 10% of customers who were sold with one of our panel providers paid £445.08 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £37.09 a month or £1.21 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

Yes, your tools and machinery are key to your warehouse operations and insuring them means you are protected in case something unexpected happens.

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.

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.