Insurance for Warehouse and Storage Services

Key risks

Common industry risks

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

The Risks

Risks Response

Goods in Transit

While transporting stock between depots or to a customer, goods are damaged or lost in transit before they reach their destination.

Goods in Transit cover is available under some Business Pack policies. It may respond to loss or damage to your goods while being transported.

Business Interruption

A fire nearby or police cordon blocks access to your warehouse, halts dispatch and interrupts your business operations.

Business Interruption Insurance may respond to lost income and additional costs arising from an insured event interrupting your operations.

Commercial Property

Fire, storm or water damage ruins stored stock, scanners, labels or packing gear held at your insured warehouse site.

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event.

Property& casualty

Accidental damage is caused to your leased warehouse, including landlord fixtures and fittings, and the property owner seeks compensation.

Property & casualty cover may respond to claims for accidental damage to leased premises where you are legally liable as a tenant.

Public Liability

A visitor slips in the loading bay or is injured by falling stock during a visit to your warehouse premises.

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Goods in Transit

The Risks

While transporting stock between depots or to a customer, goods are damaged or lost in transit before they reach their destination.

Risks Response

Goods in Transit cover is available under some Business Pack policies. It may respond to loss or damage to your goods while being transported.

Business Interruption

The Risks

A fire nearby or police cordon blocks access to your warehouse, halts dispatch and interrupts your business operations.

Risks Response

Business Interruption Insurance may respond to lost income and additional costs arising from an insured event interrupting your operations.

Commercial Property

The Risks

Fire, storm or water damage ruins stored stock, scanners, labels or packing gear held at your insured warehouse site.

Risks Response

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event.

Property& casualty

The Risks

Accidental damage is caused to your leased warehouse, including landlord fixtures and fittings, and the property owner seeks compensation.

Risks Response

Property & casualty cover may respond to claims for accidental damage to leased premises where you are legally liable as a tenant.

Public Liability

The Risks

A visitor slips in the loading bay or is injured by falling stock during a visit to your warehouse premises.

Risks Response

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

Claim examples

Warehouse and Storage Services claim examples

Examples of claims arising from warehousing and storage operations.

Injury to a Contractor

SCENARIO

A contractor working within the storage facility is injured after being struck by moving equipment. A claim is made against the warehouse business.

WHY IT’S COVERED

Public Liability insurance may respond to third party injury claims arising from warehouse activities.

Equipment-Related Property Damage

SCENARIO

A forklift accidentally damages a customer’s palletised stock during unloading. The customer seeks compensation for the loss.

WHY IT’S COVERED

Public & Products Liability Insurance may respond to claims for accidental damage to third party property caused during warehouse operations.

Injury in the Warehouse

SCENARIO

A delivery driver slips on a loading dock and sustains an injury while collecting goods. A claim is made against the warehouse operator.

WHY IT’S COVERED

Public Liability insurance may respond to third party injury claims arising from your warehouse premises and operations.

Damage to Stored Goods

SCENARIO

A customer's goods are stored in your warehouse pending delivery. During internal movement using a forklift, the goods are damaged. The customer makes a claim for the loss.

WHY IT’S COVERED

Public Liability Insurance may respond to third party property damage claims arising from your storage and handling operations. Where a Care, Custody and Control benefit is included under your policy, it may also respond to damage to customer goods in your care.

SCEANRIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Injury to a Contractor

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

FAQs

Warehouse and Storage Services insurance queries

How do I make a claim?

You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.

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How do I make a claim?

What is a Certificate of Currency?

A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.

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What is a Certificate of Currency?

How quickly do I need to report an incident to my insurer?

You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.

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How quickly do I need to report an incident to my insurer?

What is a retroactive date?

A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.

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What is a retroactive date?

What factors might impact the cost of policy premiums of insurance for warehouse?

The cost of insurance for warehouse in Australia varies depending on several factors. These typically include the nature and scope of your business activities, annual turnover, number of employees, location, claims history, and the cover limits and the applicable excess. For Commercial Motor cover, insurers also consider vehicle make, model, value, usage and driving history. Where additional covers such as Professional Indemnity or Cyber insurance are relevant to your operations, the services you provide and the sensitivity of data you hold may also affect your premium. Because each business is different, costs can vary significantly and premiums may change at renewal in line with risk and claims experience.

Learn More

What factors might impact the cost of policy premiums of insurance for warehouse?

Blogs

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.

Insurance for Warehouse and Storage Services

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Common industry risks

The Risks

Risks Response

The Risks

Risks Response

The Risks

Risks Response

The Risks

Risks Response

The Risks

Risks Response

The Risks

Risks Response

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Coverages for Warehouse and Storage Services

Warehouse and Storage Services claim examples

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SCENARIO

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Warehouse and Storage Services insurance queries

How do I make a claim?

How do I make a claim?

What is a Certificate of Currency?

What is a Certificate of Currency?

How quickly do I need to report an incident to my insurer?

How quickly do I need to report an incident to my insurer?

What is a retroactive date?

What is a retroactive date?

What factors might impact the cost of policy premiums of insurance for warehouse?

What factors might impact the cost of policy premiums of insurance for warehouse?

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