What many people may not know, is that warehouse legal liability only provides coverage for damages that the warehouseman is LEGALLY liable for. This means that if an employee drops a cigarette and the warehouse burns to the ground, the customer’s goods are covered.
HOWEVER, if lightening were to hit the warehouse causing a fire, that would not be covered.
It’s very important to make this clear to your customers. If you have a client that wants full coverage, we can provide them with all direct physical loss coverage.