States we serve · Michigan
Warehouse and distribution insurance in Michigan
Two programs, one question: whose goods are at risk? We place both sides of the Michigan trade — the operator holding a customer’s freight, and the distributor who owns every pallet on the rack.
Michigan is the only state in this corridor where a warehouse operator can be holding inventory that belongs to the state government itself — the Liquor Control Commission’s spirits, warehoused and delivered by private authorized distribution agents — while the rest of the state’s stored goods move across the busiest commercial land border 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 Michigan businesses do.
Warehouse business insurance in Michigan
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 Michigan
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 Michigan risks: Detroit · Grand Rapids · Romulus · Lansing · Kalamazoo · Port Huron · Muskegon.
Get a Michigan insurance quote
Quotes in 1–2 hours during business hours.