Industrial & warehouse buildings
Industrial and warehouse building insurance
Warehouses, distribution and flex space, light manufacturing and storage buildings. What your tenants do inside drives the risk, so we look at the building and how it's used before we take it to market.
What it can cover
- Building property: structure, roof, loading docks and building systems
- Loss of rents / business income after a covered loss
- General liability for the premises, yards and loading areas
- Equipment breakdown for boilers, electrical service and building systems
- Flood coverage for buildings in low-lying or waterfront areas
- Umbrella limits above your primary liability
- Ordinance or law, plus vacancy coverage when space sits empty
Who it's for
- Owners of warehouses and distribution buildings
- Flex, light industrial and manufacturing buildings
- Self-storage and storage buildings
- Owners leasing to one tenant or to several
What affects your price
- What the tenants do and what they store
- Square footage, ceiling height and construction
- Sprinklers, alarms and fire protection
- Roof age and condition
- Location and flood zone
- Loss history, limits and deductibles
Coverage depends on the policy and underwriting. We'll explain exactly what your estimate includes.
The main risks
What can go wrong at an industrial building
These are the losses we plan the policy around. Every building is different, so we look at yours before we take it to market.
- Fire, especially with tenants who store or handle combustible goods
- Roof damage or collapse from snow, water or age on large flat roofs
- Truck and forklift accidents at loading docks
- Injury claims from tenants' workers, vendors and drivers on the property
- Flooding in low-lying and waterfront industrial areas
- Theft and vandalism at buildings that sit empty at night
- Lost rent while the building is being repaired
FAQ
Industrial and warehouse insurance questions
Why does it matter what my tenants do?
Insurers price an industrial building partly by how it's used. A building storing paper goods or with woodworking inside is rated differently than one storing metal parts. Tell us who your tenants are and what they do so the policy is written correctly.
Does my tenant's insurance protect me?
It helps, but it doesn't replace your own policy. Most industrial leases require tenants to carry liability and name you as additional insured. You still need your own coverage for the building, your rent and your liability as the owner.
Is flood covered on a warehouse policy?
Not on most commercial property policies. Many NYC industrial areas sit near the water, so we can look at separate flood coverage for the building.
What if part of the building is empty?
Tell us how much space is vacant and for how long. Many policies limit coverage during vacancy, so we look for terms that fit.
Do you insure a single warehouse?
Yes. We work with owners of every size, from one building to a portfolio.
Why us
Buildings are the whole job.
Markets not everyone has
Access to insurance markets and programs for real estate that aren't available everywhere — more options to compare for your building.
A sharper price
We shop your building so you see what the market will really offer, and we look for savings without cutting the coverage you need.
Buildings. Only buildings.
Buildings are what we do: multifamily, mixed-use, brownstones, HDFC and co-ops, office, industrial and retail buildings, vacant buildings and renovations.
A human on every file
Every request is reviewed by a person on our team, not a pricing robot. You get an estimate you can actually rely on.
Own a commercial building? Send us the details.
Office, industrial or retail: one form, a few minutes. We shop our markets and email you an estimate after a real review.