The 60-second version
Warehouse insurance covers stock-in-storage against fire, burglary, and transit risks — mandatory for many MSME lenders and ecommerce fulfilment contracts.
Stock SI must match peak inventory — under-insurance caps claims
Warehouse insurance covers inventory against fire, lightning, explosion, and named perils — sum insured should equal peak stock value plus margin.
Transit extension covers movement from warehouse to customer — critical for ecommerce fulfilment.
Employee theft: fidelity guarantee guide.
Storage cover matrix
| Cover | Protects | Typical SI |
|---|---|---|
| Fire + SP | Building + stock | Peak inventory |
| Burglary rider | Theft after break-in | 10–25% of stock |
| Transit extension | In-transit stock | Per dispatch |
| Machinery breakdown | Cold chain | Equipment list |
Warehouse insurance setup
Stock audit
Peak value calculation.
Location survey
Fire safety check.
Policy bind
Named perils + SI.
Transit add-on
If outbound dispatch.
Annual review
Update SI on growth.
Claim path
Warehouse kit
- Stock list.
- Fire NOC.
- SI worksheet.
- Policy schedule.
- Claim hotline.
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Cold storage
Machinery breakdown rider needed for refrigeration failure — standard fire policy excludes.
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Home storage?
Standard home policy excludes commercial stock — separate warehouse policy.
Ecommerce fulfilment?
Transit extension mandatory for last-mile dispatch.
Tenant warehouse?
Insure your stock — landlord covers building.
GST on premium?
18% GST on policy premium.
MSME loan?
Lenders often require fire insurance copy.
Fidelity gap?
Burglary rider does not cover employee theft — fidelity guarantee separate.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.