Hedge / Appetite / Warehouses & distribution
In current Hedge appetite / P&C

Warehouses & distribution.

Warehouses & distribution is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually. Published target coverage includes Commercial Property with a published target of $50M TIV / loc, General Liability with a published target of $1M / $2M, and Inland Marine (BPP) with a published target of $5M (if shipping). Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   493110 · 493120 · 493130
Also known as   logistics, 3PL, fulfillment center, storage facility
Coverage

Published target coverage.

These are starting-point lines and limits for a warehouses & distribution submission. Hedge confirms current fit, route, and available terms after account review.

Commercial Property $50M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → Inland Marine (BPP) $5M (if shipping) Inland Marine (BPP) wholesale → Product Liability Per goods stored Product Liability wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$50M TIV / loc Commercial Property for warehouses & distribution Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for warehouses & distribution Coverage context, underwriting facts, forms, and preparation guidance. $5M (if shipping) Inland Marine for warehouses & distribution Coverage context, underwriting facts, forms, and preparation guidance. Per goods stored Products Liability for warehouses & distribution Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for warehouses & distribution
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 ESFR sprinklers in racked storage
02 Class I-IV non-hazardous commodities
03 On-site security after hours
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Commodity class (food, electronics, etc.)
  • 02Rack height + sprinkler rating
  • 03Forklift count + drivers
  • 04Hours of operation
  • 05% own stock vs. customer goods
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Warehouses & distribution in California
CA · Review case by case
AB 2143 (warehouse worker quota) compliance required for 100+ employees.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write warehouses & distribution?

Warehouses & distribution is in Hedge's current published appetite. Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote warehouses & distribution?

Commodity class (food, electronics, etc.); Rack height + sprinkler rating; Forklift count + drivers; Hours of operation; plus 1 more standard item. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on warehouses & distribution?

Commercial Property target up to $50M TIV / loc; General Liability target up to $1M / $2M; Inland Marine (BPP) target up to $5M (if shipping); Product Liability target up to Per goods stored. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write warehouse?

Warehouse is one way brokers describe warehouses & distribution. It maps to the same published Warehouses & distribution appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671