Insurance Dispute Attorneys Representing Kentucky Policyholders with Industrial and Warehouse Claims
Advocating on behalf of commercial policyholders in Louisville and beyond
When you have a business that owns a warehouse or similar industrial space, having the appropriate amount of industrial and warehouse insurance coverage is vital. You know that anything can happen. A fire, flood or wind damage, or theft or vandalism can ruin the inventory and equipment housed in the facility. Insurance should be purchased to cover all of these concerns and protect against physical damage or loss of property, inventory, or other operations.
The skilled insurance dispute attorneys at McWherter Scott Bobbitt are here to guide you through the process of filing a claim when your warehouse or industrial space suffers covered damage. From helping you to file a claim and working with the insurance company to ensure prompt payment, you can trust us to guide you through the entire process.
What are some industrial and warehouse insurance companies?
The following are just a few warehouse liability insurance companies that serve the Kentucky area:
- Bankers Insurance
- The Hartford
- Farmers' Insurance
- Mercury Insurance
- Herald Insurance
Coverage and exclusions for warehouses in Kentucky
There are a range of coverages to help protect your warehouse operation from losses. Generally speaking, most insurance policies will (or at least should) cover:
- Raw materials and finished products
- Shelving systems
- Computer systems
- Equipment such as forklifts, tools, machinery
- Valuable paperwork, data and business software
- Fixtures and furniture
Most business insurance policies include an “absolutely pollution exclusion” clause, which may be applicable depending on the contents of your warehouse. If you store food products, there may be additional exclusions involving contamination. Make sure your policy represents your needs. You may have to purchase additional polices to protect yourself.
Even if you do not own the warehouse that you are using, you may still be required to take out insurance to protect your landlord's property in case of a mishap or a weather-related disaster. This way, if you as a tenant, damage the warehouse, the owner will be able to recover the repairs to the building.