Warehouse & Distribution Center Insurance
Warehouses hold high values under one roof: the building, racking systems, forklifts, and inventory that may belong to you or your customers. A single fire or roof collapse can shut down operations for months. Pacific Southwest Insurance Services insures owner-operated warehouses, leased distribution space and third-party logistics facilities.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our warehouse & distribution center clients include:
- Owner-operated warehouses
- Leased distribution centers
- Third-party logistics (3PL) facilities
- Cold storage and refrigerated warehouses
- E-commerce fulfillment centers
- Wholesale distributors
Coverage Options
- Building coverage: Protects the structure, loading docks and permanently installed equipment.
- Business personal property: Covers racking, forklifts, conveyors and your own inventory.
- Warehouse legal liability: Covers customers’ goods in your care if you’re legally responsible for damage.
- Business income: Replaces income and pays expenses during a shutdown after a covered loss.
- Spoilage: Covers perishable goods lost to refrigeration breakdown or power outage.
- Equipment breakdown: Covers mechanical and electrical failure of critical equipment.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Building size and construction
- Fire sprinklers and alarm systems
- Type and value of stored goods
- Rack storage height
- Hazardous or flammable materials
- Location and fire protection class
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
Are my customers’ goods covered by my property policy?
Usually not. Goods you store for others need warehouse legal liability or bailee coverage. We’ll set it up based on your storage contracts.
Does high rack storage affect my insurance?
Yes. High-piled storage can spread fire quickly, so carriers look closely at sprinkler design. We’ll help you present your building to underwriters.
Can you cover the forklifts?
Yes. Forklifts can be covered under business personal property or an equipment policy.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Warehouse & Distribution Center Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.