The 60-second version
Warehouse keeper liability insurance covers bailee liability for goods stored under your custody — returning NRIs entering logistics or cold-chain storage need cover alongside fire and burglary policies.
Bind warehouse keeper liability before first client stock receipt — fire policy does not cover bailee shortage claims
Warehouse keeper liability insurance responds when stored goods are lost, damaged, or short-delivered under your custody — distinct from fire insurance on building.
Returning NRIs operating bonded warehouses, cold-chain hubs, or 3PL facilities need bailee cover alongside GST and Shop Act registration.
Forwarder lane: freight forwarder liability guide if you also book shipments.
Warehouse insurance stack
| Policy | Covers | Does not cover |
|---|---|---|
| Keeper liability | Shortage, damage in store | Building fire |
| Fire insurance | Building + stock (own) | Client goods bailment |
| Burglary rider | Theft with force | Employee pilferage |
| Marine cargo | In transit | In warehouse |
Purchase flow
Capacity audit
Max storage value.
Sum insured
Per client + aggregate.
Get quotes
3+ general insurers.
Bind policy
Before first receipt.
WMS logs
Inventory audit trail.
Stack
Warehouse insurance kit
- Lease deed.
- GST cert.
- Policy schedule.
- WMS access.
- Claim hotline.
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Bonded warehouse
CBIC bonded warehouse licence may require proof of keeper liability — bind before licence inspection.
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Turn this guide into a decision file
0 of 4 checked
vs fire insurance?
Fire covers building and your stock; keeper liability covers client goods under bailment.
Cold chain?
Add temperature deviation sub-limit for perishable storage.
GST?
18% GST on insurance premium.
Premium?
Based on max storage value and commodity type — 0.05–0.15% typical.
Claim?
Notify within 24h of shortage discovery — joint survey with client.
Employee theft?
May need fidelity guarantee rider — verify policy wording.
You've done the research. Now get the plan.
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