Warehouses & distribution insurance · Yes · Hedge E&S
Hedge / Appetite / Warehouses & distribution
● Actively writing / P&C

Warehouses & distribution.

Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually.

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

What we'd quote.

Standard limits on a clean warehouses & distribution submission. Excess towers structured on request.

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 →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

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

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 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 · Edge, 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?

Yes. Warehouses & distribution is in appetite. Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually. First response inside 30 minutes during business hours.

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 items. Pulling these together with the file gets you to a quote in hours.

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

Commercial Property to $50M TIV / loc; General Liability to $1M / $2M; Inland Marine (BPP) to $5M (if shipping); Product Liability to Per goods stored. Excess towers are structured on request.

Does Hedge write warehouse?

warehouse is one of the ways brokers describe warehouses & distribution, and yes, we handle it under our Warehouses & distribution appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671