From a single storage unit to a multi-site distribution business, a warehouse quotation needs the detail behind the stock and premises. Portwood welcomes commercial insurance enquiries across the UK, with direct broker contact and secure document upload.
Established 1963 · Independent brokers · FCA firm reference 300694
Tell us what you store, who owns it, the peak value at each site and whether goods move between premises or to third-party storage. We discuss location limits and any floating stock arrangement with insurers; a shared limit should not be treated as a separate allowance at every site.
Share construction details, rebuilding valuations, racking, contents and handling equipment. Explain composite panels, sprinkler and alarm arrangements, battery charging and any hazardous goods. Insurer conditions and survey requirements depend on the individual premises.
A property loss can interrupt more than one part of the operation. Discuss the financial basis of business interruption, the recovery period and dependencies on suppliers, customers or other sites. Extensions are included only where agreed in the policy.
Explain forklift use, employees, subcontractors, delivery vehicles and goods carried for others. Motor, goods in transit, liability and equipment breakdown can involve different policies and limits; we explain the proposed arrangements.
Tell us whose goods you hold and your responsibilities under storage or distribution contracts. Your own stock, customers’ goods and your legal liability for those goods are not interchangeable descriptions of cover. We can discuss the arrangements insurers are prepared to offer.
A floating limit may apply across agreed locations with a maximum at any one site. The total, site ceiling and relationship to separately scheduled amounts must be read together. Share peak stock levels at each unit so the proposed limits can be checked.
Further reading: ABI: commercial property insurance. Your quotation and policy wording determine the cover offered.
The available cover and premium depend on your circumstances, insurer acceptance and policy terms. Savings and price matching are not guaranteed. Uploading documents does not put cover in force.
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