Industrial & Warehouse Insurance
Lessor's risk, property, and liability for flex, light-industrial, and warehouse owners and occupants.
Who Needs It
- Owners leasing to tenants (LRO)
- Owner-occupied manufacturing and distribution
- Flex and last-mile logistics investors
What It Covers
- Property with occupancy-appropriate rates
- Lessor's risk only liability for landlords
- Business income / loss of rents
- Equipment breakdown
- Pollution liability where hazardous materials are present
- Tenant-caused damage subrogation waivers per lease
What It Does Not Cover
- Tenant's contents and operations (tenant's policy)
- Hazardous-material contamination without pollution coverage
- Sprinkler impairment periods where the form excludes
Texas Notes
Houston's petrochemical-adjacent warehouses need pollution and hazmat disclosure; sprinkler status and occupancy drive rate.
Florida Notes
Florida logistics corridors along I-4 and I-75 face wind exposure on large-span roofs; roof condition is decisive.
Industrial & Warehouse Insurance Questions We Hear Most
What is lessor's risk only?
A GL form for landlords who do not occupy the building. It covers your premises liability while tenants carry their own operations coverage.
Does a prior claim mean I can't get coverage?
Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.
Related Coverage Guides
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Start My Quote All coverage guides →This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.