States we serve · California
Warehouse and distribution insurance in California
Two programs, one question: whose goods are at risk? We place both sides of the California trade — the operator holding a customer’s freight, and the distributor who owns every pallet on the rack.
California is the only state where the warehouse building itself is a regulated subject — the pace of work on the pick line is governed by a warehouse quota law, and in the Los Angeles basin the operator of a large warehouse must answer to an air-district rule aimed at the truck traffic the building attracts — all of it sitting behind the country’s dominant container gateway and on top of the largest 3PL market in North America.
Which one are you?
The two programs below are genuinely different risks, not two names for the same policy. Pick the one that describes your operation — or tell us on the quote form if you do both, which many California businesses do.
Warehouse business insurance in California
For the public, 3PL, contract, bonded, cold-storage, and fulfillment operators who hold OTHER companies’ freight. The goods under your roof are not yours — so warehouse legal liability leads the program, and your storage contract sets the duty of care.
Read the warehouse program → Your goods, anywhere they go.Distributor & wholesaler business insurance in California
For the merchant wholesalers, food and beverage distributors, and importers who OWN what they sell. The inventory is yours everywhere it goes — so stock throughput leads, and products liability follows you down the chain of distribution.
Read the distributor & wholesaler program →Where we place California risks: Los Angeles · Long Beach · Inland Empire (Riverside–San Bernardino) · Oakland · Stockton · Fresno · Sacramento · San Diego.
Get a California insurance quote
Quotes in 1–2 hours during business hours.