Usually not. Warehouse legal liability responds where the operator is legally responsible for the loss, and under the Uniform Commercial Code a warehouse is not liable for damage that reasonable care could not have avoided. A wildfire reaching the building, an earthquake, or a flood generally falls outside that. The owner of the goods carries that exposure, most often through a stock throughput or cargo policy on their own inventory.
Related FAQs
No, and the distinction matters. It is liability coverage, so it responds when you are legally responsible for a loss, not simply because the loss happened in your building. ...
Yes, and it is the most useful thing on this page. Under the Commercial Code a warehouse is liable for loss caused by a failure to exercise the care ...
No. Warehouse legal liability stops at the dock. Once goods are moving, the exposure shifts to motor truck cargo coverage if you haul them yourself, or to inland marine ...
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