Warehouse & Distribution Insurance in Florida

Warehouse and distribution insurance has to cover risk on every pallet, from the building itself, to the inventory inside, to the trucks in and out of the dock. Gateway Insurance Associates builds distribution insurance programs that protect every stage of your supply chain.

Coverage Built for Warehouses & Distribution

Commercial Property Insurance — Building, racking, MHE (forklifts, conveyors), and contents coverage.
Inland Marine / Warehouse Legal Liability — Coverage for goods in your care, custody, and control on behalf of customers.
General Liability Insurance — Protection against third-party injury and property damage claims on premises.
Workers’ Compensation — Required Florida coverage for warehouse, dock, and forklift operator injuries.
Commercial Auto Insurance — Trucks, vans, and yard tractors used in distribution operations.
Motor Truck Cargo — Coverage for freight in transit when you operate your own delivery fleet.
Business Interruption Insurance — Replaces revenue when a covered loss takes the warehouse offline.
Cyber Liability Insurance — Protection for WMS systems, customer order data, and ecommerce integrations.

Why Work With an Independent Agency?

Warehouse and distribution insurance has to balance commercial property risk, inventory exposure, and the legal liability you carry for customer-owned goods on your floor. Gateway Insurance Associates is independent and shops the commercial market to build a program that covers the building, the inventory, the workforce, and the customer goods you’re responsible for — all in one coordinated package.

Frequently Asked Questions

What insurance do warehouses and distribution centers need?

Warehouse and 3PL operations typically carry commercial property, general liability, inland marine for goods in transit or on racks, workers compensation, and commercial auto for delivery fleets. Coverage scales with your square footage and throughput.

What is inland marine insurance for a warehouse?

Inland marine covers goods and equipment that move or are stored off a fixed location, including inventory on racks, in transit, or at a customer site. It fills gaps that standard commercial property leaves for moving goods.

Does commercial property cover stored customer goods?

Standard commercial property covers your own building and contents, not necessarily customer property in your care. Warehouse legal liability or a bailee form covers goods you store for others, which we can add to your program.