WAREHOUSE & 3PL INSURANCE
Insurance Built for Warehouses & 3PL Providers
Whether you operate a single distribution center or a multi-location 3PL network, Hoya builds insurance programs that protect your facility, your customers' goods, and your contractual obligations.
30+
Years insuring logistics operations
48
States we operate in
3
Service languages
Fast
Certificate turnaround
COVERAGE OPTIONS
What We Cover
A complete insurance program for warehouse and logistics operations — from the receiving dock to last-mile delivery.
Commercial Property
Protect your warehouse building, racking systems, forklifts, and equipment from fire, theft, water damage, and natural disasters.
- Building & structure
- Racking & shelving systems
- Forklifts & material handling
- Business interruption
Warehouse Legal Liability
Covers your legal liability for loss or damage to customers' goods while in your care, custody, and control.
- Bailee liability coverage
- Customer goods in storage
- Refrigerated goods spoilage
- Limits by location or value
General Liability
Protection for bodily injury and property damage claims arising from your warehouse premises and operations.
- Premises & operations
- Loading dock accidents
- Visitor & vendor injuries
- Contractual liability
Workers' Compensation
Warehouse and distribution work carries significant injury risk — forklift accidents, falls, and repetitive motion injuries.
- Medical expense coverage
- Lost wage replacement
- Employer's liability
- Safety program support
Commercial Auto
Coverage for delivery vehicles, yard trucks, and company vehicles used in your distribution and logistics operations.
- Owned & leased vehicles
- Hired & non-owned auto
- Fleet programs
- Last-mile delivery vehicles
Cargo & Inland Marine
Covers goods in transit between your warehouse and customers — by truck, rail, or intermodal.
- All-risk cargo coverage
- Goods in transit
- Loading & unloading
- High-value freight options
Cyber Liability
Warehouse management systems and EDI connections are prime targets. Protect your WMS, customer data, and operational continuity.
- Ransomware & extortion
- WMS system outage
- Customer data breach
- Third-party liability
Umbrella / Excess Liability
Additional liability limits above your primary policies — often required by large retail and e-commerce clients.
- Excess over GL, auto & WC
- High-limit options
- Follow-form coverage
- Client contract compliance
RISK LANDSCAPE
The risks warehouse & 3PL operators face
As a 3PL provider, you're responsible for your clients' most valuable assets. A single fire, theft event, or system outage can trigger massive liability claims. Hoya helps you build a program that satisfies client contracts and protects your operation.
Talk to a specialist- Damage to customer goods in storage
- Forklift accidents and worker injuries
- Fire, sprinkler leakage, and water damage
- Theft of high-value inventory
- Cyber attacks on warehouse management systems
- Cargo loss during last-mile delivery
- Cold storage failure and product spoilage
- Contractual liability with retail and e-commerce clients
Ready to protect your warehouse operation?
Our team understands the unique liability exposure of 3PL providers and warehouse operators. Let's build a program that protects your business and satisfies your clients.