What is warehouse legal liability?

Coverage for your legal responsibility for loss or damage to customers' goods while they are in your storage or care, which motor truck cargo (in-transit coverage) generally does not address.

Doesn't my cargo insurance cover stored goods?

Generally not. Motor truck cargo covers freight in transit. Once goods are stored, you have a bailee exposure that warehouse legal liability is designed for.

Who needs warehouse legal liability?

Carriers, brokers, and 3PLs running cross-dock, distribution, or storage, drayage operators staging containers, and movers storing goods. We match it to your storage exposure.

Warehouse Legal Liability - Vantage Point Risk

Warehouse legal liability insurance.

When a carrier, 3PL, or logistics company stores goods that belong to others, it is responsible for them while they sit, and motor truck cargo generally only covers freight in transit. Warehouse legal liability covers goods in storage.

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Warehouse legal liability covers your legal responsibility for loss or damage to customers' goods while they are in your storage or care, a bailee exposure that motor truck cargo, which covers freight in transit, generally does not address.

The storage gap

Motor truck cargo is built for freight in transit, on the truck, moving. The moment goods sit in your warehouse, cross-dock, or yard, you are a bailee responsible for them, and the in-transit cargo coverage generally no longer applies. Warehouse legal liability fills that gap for goods in your care, custody, and control while stored.

Who needs it

Carriers and brokers running cross-dock, distribution, or 3PL operations, drayage operators staging containers, and movers storing household goods all take on stored-goods exposure. As trucking operations add warehousing and logistics services, this coverage becomes part of the program rather than an afterthought.

Limits, terms, and contracts

Warehouse legal liability responds to your legal liability for the stored goods, subject to limits and terms, and warehousing contracts often dictate the coverage and limits required. We match the coverage to the value of goods you store and what your customers and contracts require.

Warehouse legal liability insurance.

The storage gap

Who needs it

Limits, terms, and contracts

Common questions.

Is this coverage right on your policy?

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Cover the goods while they sit.