Warehouses & distribution in California.

Warehouses & distribution in California is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. AB 2143 (warehouse worker quota) compliance required for 100+ employees. 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

Submit a risk All states for this class

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 →

Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$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

Stronger starting profile.

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

Related classes.

Often relevant to a submission in this class.

FAQ

Common questions.

Does Hedge write warehouses & distribution in California?

Case by case in California. AB 2143 (warehouse worker quota) compliance required for 100+ employees. The base appetite guidance still applies, subject to account and market review.

What's different about warehouses & distribution in California?

AB 2143 (warehouse worker quota) compliance required for 100+ employees. This is the state-specific issue to address up front. The base warehouses & distribution guidance otherwise applies. See the Submission section for the current list.

What limits will Hedge offer on warehouses & distribution in California?

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. AB 2143 (warehouse worker quota) compliance required for 100+ employees. Available limits are confirmed after account and market 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