Building and tenant improvements
Review this carefully when evaluating the insurance program and preparing a submission.
Warehouse Insurance
A warehouse can concentrate millions of dollars of property under one roof. Fire protection, storage configuration, customer goods and downtime can matter just as much as the building itself.
Serving Utah and all 50 states. Wholesalers, distributors and logistics companies along the Wasatch Front and beyond, from Cache Valley to Washington County, can work with a local advisor who also writes coverage in all 50 states. Contracts, lenders and carriers often ask for specific limits and documentation, so we review your contracts and operations before going to market. Request a quote and we'll review your current program with you.
What to Think About
The policy should match how the business actually operates.
Coverage needs depend on the products, contracts, property values, transportation arrangements and services involved. These are some of the issues worth reviewing.
Fire & catastropheConstruction, sprinklers, commodity type, storage height and aisle configuration can influence property underwriting.
Forklifts & material handlingForklifts create both property-damage and employee-injury exposures.
Customer propertyGoods owned by customers may not be treated the same as the warehouse operator’s own inventory.
Business incomeA major loss can stop operations even when replacement inventory is available elsewhere.
Submission Checklist
Information that helps tell the story to underwriters.
Better information can help carriers understand the risk instead of making assumptions from a class code alone.
Racking, forklifts and warehouse equipment
Review this carefully when evaluating the insurance program and preparing a submission.
Owned inventory versus customer goods
Review this carefully when evaluating the insurance program and preparing a submission.
Business income and extra expense
Review this carefully when evaluating the insurance program and preparing a submission.
Related Distribution Topics
One exposure rarely stands alone.
Property, products, transit, customer goods and business income often overlap in a wholesale or distribution account.
Want to review your current program?
Send us a few basics and we will follow up to learn more about your business.
Reviewing your broader wholesale or distribution insurance program? Explore our distributor insurance guide to see how inventory, product liability, transit and business income coverage fit together.