Your inventory at rest, still fully on guard.
Comprehensive coverage for goods in storage — fire, theft, water damage, natural disasters — across owned and third-party warehouses.
Warehouse Insurance
Protect stored inventory around the clock
- Coverage
- All-risk storage
- Facility Types
- Owned, 3PL, Bonded
- Declarations
- Monthly stock reporting
- Extras
- Risk engineering included
Warehouse Insurance
Protect stored inventory around the clock
Warehouse Insurance protects your stored inventory against physical loss or damage while at rest. Fire, theft, water damage, natural disasters, and accidental damage are covered whether goods are stored in your own facility or a third-party logistics warehouse.
We also provide warehouse legal liability coverage for logistics operators and stock throughput policies that combine storage and transit into one seamless program.
Coverage & Reach
Who It's For
Who Needs Warehouse Insurance?
Manufacturers holding raw materials and finished goods inventory
Importers storing goods in bonded or free-zone warehouses
Third-party logistics providers managing client stock
Trading companies with seasonal inventory build-ups
Distributors operating multiple storage locations
Why It Matters
Key Benefits of Warehouse Insurance
All-risk storage coverage
Fire, theft, and water damage protection
Natural disaster and flood coverage
Third-party warehouse coverage
Stock throughput combined policies
Business interruption extensions
What's Included
Coverage Features & Capabilities
Stock Throughput
Combine warehouse storage and transit coverage into one policy with no handover gaps.
Flood & Natural Perils
Essential in tropical climates — flood, storm, and earthquake coverage with dedicated sub-limits.
Cold Storage Cover
Deterioration of stock coverage for refrigerated and frozen goods in cold chain facilities.
Warehouse Legal Liability
For 3PL operators — covers your legal liability for customers' goods in your care, custody, and control.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Loss due to gradual deterioration or inherent vice
- Damage from pests unless caused by an insured peril
- Theft without evidence of forcible entry
- Loss discovered during stocktaking without identifiable event
- Damage from temperature change in non-refrigerated stock
How It Works
Your Path to Protection in 4 Steps
Stock Assessment
We evaluate inventory values, storage conditions, and facility risk factors.
Program Structuring
Design storage-only or stock throughput coverage with appropriate limits.
Facility Survey
Risk engineers survey facilities and recommend loss prevention improvements.
Continuous Cover
Monthly stock declarations keep coverage aligned with inventory levels.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Report the Loss
Notify us within 72 hours of discovering damage or shortage. Provide warehouse location, stock records, and circumstances of the loss.
Stock Reconciliation
Our adjuster reviews inventory records, delivery receipts, and stocktaking reports to quantify the exact loss amount.
Cause Investigation
A surveyor inspects the facility, reviews CCTV and access logs, and determines whether the cause falls within policy coverage.
Valuation & Payment
Settlement is based on replacement cost or selling price less unrealized profit, paid within 14 business days of agreement.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Stock throughput policies eliminating storage-transit gaps
- Risk engineering surveys included at no extra cost
- Specialist cold chain and hazardous goods underwriting
- Monthly declaration flexibility for seasonal inventory
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
Yes. We cover goods in bonded warehouses, free trade zones, and duty-free storage facilities, with coverage values that can include unpaid duties where required.
Explore Further
Related Services
Marine Cargo Insurance
All-risk coverage for goods transported by sea, from port of loading to final destination, under Institute Cargo Clauses.
Learn moreCommercial Property Insurance
Coverage for commercial buildings, plant, machinery, and contents against fire, natural disasters, theft, and accidental damage.
Learn moreBusiness Interruption Insurance
Loss of profits and fixed cost coverage when insured damage halts operations, keeping your business financially stable through recovery.
Learn moreSectors We Serve
Industries Covered
Learn More
From the Knowledge Hub
Ready to Secure Your Warehouse Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
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Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
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