Who’s liable at each stage of the journey?
What changes as goods move through your hands.
LogisticsInsurance
Logistics Insurance
Public liability and goods-in-care cover built for logistics operators, covering warehousing and transport as one integrated service.
Public liability and goods-in-care cover built for logistics operators, covering warehousing and transport as one integrated service.
Goods in storageEvery stage in transitSite equipment
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What is logistics insurance?
Logistics insurance is a combination of covers built around coordinating storage and transport for clients, public liability for injury or damage, liability for goods you hold or arrange movement for, and employers’ liability if you have staff.
Logistics work often spans multiple stages, warehousing, onward transport and last-mile delivery, sometimes through subcontracted carriers, which can make it less clear who’s liable if something goes wrong.
Logistics insurance can include:
Warehouseman’s legal liabilityEmployers’ liabilityPublic liabilityBusiness interruptionGoods in transitBusiness van insurance (separate policy)
Cover often bought alongside logistics insurance
Warehouseman’s Legal Liability
Covers your liability for goods you hold or coordinate on behalf of clients.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Cyber Insurance
Covers costs following a data breach involving client or shipment data.
Business Contents
Protects your forklifts, racking and site equipment.
Goods in Transit
Covers goods while they’re moving between stages of the journey.
Who’s liable at each stage of the journey?
Who’s liable at each stage of the journey?
Goods often pass through several hands, and liability can shift as they move.
Goods often pass through several hands, and liability can shift as they move.
| Stage | Who’s typically liable | What to know |
|---|---|---|
Goods held in your warehouse | You, as bailee, for loss caused by your negligence | This is where warehouseman’s legal liability responds |
Goods on your own vehicle | You, under your own vehicle and goods in transit cover | Check your goods in transit cover extends to your own fleet |
Goods with a subcontracted carrier | The carrier, under their own terms, unless you’ve agreed otherwise | Check whether your contract makes you liable regardless |
No written contract in place | Bailment still applies, it doesn’t depend on a contract existing | Written terms can help, but a court may still find bailment applies |
Top Tip
If you subcontract any part of the journey, check your contracts make clear who’s liable at each stage, gaps between your cover and a carrier’s cover are where claims get complicated.
How much does logistics insurance cost?
There’s no fixed price. It depends on the value of goods you handle, staff numbers, security measures and claims history.
Value of goods handled
Higher-value client goods increase your liability cover needs.
Whether you own or rent
Owning your premises adds buildings insurance to consider.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Higher liability limits increase your premium.
Use of subcontracted carriers
Coordinating multiple carriers can affect your risk profile.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get logistics insurance
How to get logistics insurance
Getting logistics insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting logistics insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
What you store and transport, and whether you have staff.
2
Choose your covers
Warehouseman’s legal liability, goods in transit and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Logistics insurance guides
Logistics insurance guides
Practical advice on cover, multi-stage liability and staying protected.
Practical advice on cover, multi-stage liability and staying protected.
Logistics insurance FAQs
Logistics insurance FAQs
Straight answers on cover, multi-stage liability and cost.
Straight answers on cover, multi-stage liability and cost.
Logistics insurance is a combination of covers built around coordinating storage and transport for clients: public liability for injury or damage, liability for goods you hold or arrange movement for, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related businesses we cover
Related businesses we cover
Logistics operators share goods-in-care risks with these businesses. Each has its own cover needs.
Logistics operators share goods-in-care risks with these businesses. Each has its own cover needs.
Warehouse Insurance
Storing client goods where bailee liability applies.
Freight Forwarder Insurance
Arranging transport under BIFA trading conditions.
Self Storage Insurance
Holding customer goods with responsibility split by contract.