of uninsured warehouse losses are caused by property and inland marine gaps — most operators don't discover the gap until they file a claim
Bailee liability, inland marine gaps, and workers comp misclassification are the three coverage errors most common in Phoenix warehouse operations — and most standard brokers never check for them.
Get Your Free Warehouse Coverage Review →Send or upload your current policy — a licensed DANESURE broker reviews it and sends your Cost & Risk Report within 24 hours. No portal login required.
Prefer email? Send your dec page to review@danesure.com
No credit card. No obligation. As your broker, we work for your interests — not the insurance company’s. We shop 100+ carriers for the best coverage at the best price.
Warehouse insurance looks comprehensive on the surface. Underneath, there are typically three gaps that standard policies don't address — and standard brokers don't check for.
When you store goods belonging to your customers, you take on bailee liability — legal responsibility for those goods while they're in your care. Standard commercial property policies cover your own property, not customer goods. Bailee's customer floater coverage is a separate policy most warehouse operators don't have until they have a claim.
Goods moving between your facility and a customer's location often fall between your property policy and your customer's commercial auto policy. Inland marine coverage fills this gap — but it's frequently missing or has sub-limits that don't match the actual value of goods in transit.
Warehouse NCCI class codes vary significantly based on the type of operation — and errors are extremely common. A forklift operator classified under the wrong code, or mixed operations that haven't been segmented correctly, can inflate your workers comp premium by thousands annually.
We review your property, bailee liability, inland marine, and workers comp policies — checking for the gaps most common in Phoenix warehouse operations and comparing your workers comp classifications against correct NCCI codes for your operation type.
With TSMC and related supply chain activity driving Phoenix warehouse demand to record levels, the value of goods in storage and transit has increased significantly. Policies set years ago are often inadequate for current inventory values — and most operators don't know it.
DANESURE