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Warehousing and Logistics Insurance Quebec 2026: Warehouses + Distribution

Your warehouse is home to high-value inventory that often belongs to your customers. A fire, theft or a simple handling breakdown can engage your liability as a depositary for considerable amounts. At Assur360, our independent AMF-certified brokers compare more than 9 insurers to find the most comprehensive coverage at the best price — warehouses, 3PLs, distribution, cross-docking and third-party logistics.

Logistics and Warehousing Centre — Assur360 Insurance

IN BRIEF

3PL Warehousing Logistics Insurance

Third-party logistics (3PL) companies store goods belonging to customers. They need warehouseman’s legal liability coverage covering damage to property in custody.

Limits: typically $250,000 to $5 million per storage location depending on the value of the goods stored. Enterprise customer contracts often require $10 million and an annual coverage audit.

WAREHOUSING LOGISTICS INSURANCE 2026

Protect your warehouse, inventory, and custodian liability

Free online quote — compare 9+ specialized warehousing and 3PL insurers with an independent AMF-certified broker.

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Who is warehousing and logistics insurance designed for?

The warehousing and logistics sector encompasses a wide variety of Quebec companies, each with specific risks. Your Assur360 broker adapts the coverage according to your actual activity.

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Warehouses 3PLs

Commercial warehousing, third-party logistics (3PL), distribution centers, self-storage. Coverage of the building, equipment and especially the property entrusted to you by your customers.

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Distribution and cross-docking

Distributors, wholesalers, transshipment platforms. Protection of goods in transit, against organized theft and handling damage.

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Specialized Storage

Cold storage, dangerous goods, pharmaceuticals or food products. Tailor-made cover with specific endorsements (refrigeration damage, etc.).

Essential covers for warehouses and logistics

A well-constructed storage insurance policy combines several coverages. At Assur360, we help you identify the coverage that is really necessary for your operation.

Customer Stored Assets (Custodian RC)

The industry’s most critical coverage: protecting the goods of others you store against fire, theft or accidental damage.

Building and equipment

Warehouse, forklifts, racking systems, conveyors, management IT equipment. Comprehensive replacement cost insurance.

Landlord’s liability

If you rent the warehouse, coverage for damage to the building and obligations to the landlord under the commercial lease.

Loss of operating income

Compensation for loss of income and fixed costs if your warehouse becomes inoperable following a covered loss (fire, major breakdown).

Theft, fire, flood

Fundamental protections against major losses. Earthquake endorsement and water damage endorsement to be assessed according to the area.

Product liability and general liability

Commercial liability for injuries to third parties, damage to customers, and defects in products handled or shipped.

Cyber risks (customer management)

Protection against computer attacks on your WMS, ransomware and customer data breaches. Indispensable with Bill 25.

Freight transport

Cargo coverage for inbound and outbound deliveries, commercial fleet extension if you operate your own delivery trucks.

Specialized endorsements

Refrigeration damage, contamination of goods, inventory errors, theft of employees, environmental liability depending on your activity.

Get your storage insurance in 4 simple steps

1

Online Quote

Fill out our form in 3 minutes: surface area, type of goods stored, turnover, claims history.

2

Analysis by a certified broker

An AMF broker specializing in commercial insurance studies your activity and identifies the specific risks to be covered.

3

Multi-insurer comparison

We ask our 30+ logistics partners to get the best conditions and prices.

4

Active protection within 48 hours

You receive the compared quotes, choose your policy and sign electronically. Effective coverage quickly.

💡 Broker’s advice

The limit of your “entrusted goods” coverage must correspond to the maximum value of customer inventory at peak times (e.g. before the holidays). Many warehouses are underinsured for this item, which can lead to the proportional rule in the event of a claim: you would only be partially compensated. Have this limit reviewed annually with your broker.

Indicative rates for storage insurance 2026 in Quebec

Premiums vary according to the surface area, the value of the goods stored, the protective measures (sprinklers, alarm, monitoring) and the loss history. Here are indicative ranges observed in 2026.

Type+
WarehouseSurface areaEstimated annual premium
Small Standard WarehouseLess than 10,000 sq. ft.$3,500 – $7,500
Medium Commercial Warehouse10,000 – 40,000 sq. ft.$8,000 – $22,000
3PL Centre / Distribution40,000 – 100,000 sq. ft$25,000 – $65,000
Large Warehouse / Cross-DockingOver 100,000 sq. ft.$70,000
Cold StorageAll AreasMarkup 25-40%

Get the exact price for your warehouse

Each case is unique. Our brokers get you real quotes from several specialized insurers within 48 hours.

Quick quote for goods in storage

Storage insurance in all regions of Quebec

Assur360 supports warehouses and logistics companies throughout the province. Our brokers operate in Montreal, Laval, Longueuil, Quebec City, Lévis, Trois-Rivières, Sherbrooke and Gatineau. The major logistics zones of the Montreal-Mirabel corridor and the North Shore benefit from specialized expertise in warehouse and 3PL insurance.

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Frequently Asked Questions – Warehousing and Logistics Insurance

What is custodian liability?
This is the legal obligation that binds you to the goods that a customer entrusts to you for storage. If these assets are damaged, lost or destroyed while in your care, you are liable — even in the event of an accidental loss. Specific “bailee’s customer goods” cover is essential.
Does my standard business insurance cover my customers’ belongings?
No, unless there is a specific amendment. A standard commercial policy covers your own property. Goods owned by your customers require separate coverage — custodian liability or a “third-party property in your custody” endorsement. Without this endorsement, a major loss can threaten the survival of your business.
Do cold stores require special covers?
Yes. Cold storage warehouses require a “cold storage” endorsement that covers the loss of goods due to equipment failure, prolonged power outage or temperature drift. Premiums are usually higher (25-40% markup) due to the specific risk.
How much does warehouse insurance cost in Quebec?
Annual premiums range from $3,500 for a small warehouse to more than $70,000 for a distribution centre larger than 100,000 sq. ft. The key factors: surface area, value of the goods stored, type of goods, presence of sprinklers, alarms monitored 24/7 and loss history.
Does a 3PL have the same needs as a conventional warehouse?
No. 3PLs (third-party logistics) often take on more responsibilities: order picking, returns management, shipping, and sometimes even final delivery. They need additional coverage for shipping errors, transport liability, cyber risks (WMS systems and customer portals) and extended contractual liability.
Do the protective measures reduce my premium?
Yes, considerably. Automatic sprinklers (15 to 30 percent discount), centrally monitored alarm (10 to 20 percent), 24/7 video surveillance, card-based access control and a secure fence significantly reduce premiums. Insurers often require certain measures for high risks.
What happens in the event of a major disaster?
Contact your broker and insurer immediately. A claims adjuster will be appointed to assess the damage. Each customer whose assets have been affected must be informed. Your “business interruption” cover compensates you for your loss of income during the restoration. Your broker coordinates the entire process with you.
Why use an independent broker like Assur360?
An AMF-certified independent broker compares more than 9 insurers and negotiates for you. Unlike an exclusive agent, our loyalty is to the customer, not to an insurer. We support you during the subscription, during the annual reviews and especially in the event of a claim – this is where the difference really shows.

Why trust Assur360?

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Independent brokers certified by the Autorité des marchés financiers (AMF)

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Members of the Chambre de l’assurance de dommages (ChAD)

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100,000+ customers insured in Quebec for more than 20 years

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Access to 9+ insurers specializing in logistics and warehousing

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Complete support in the event of a claim (declaration, expertise, settlement)

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Satisfaction rating 4.9/5 from 312 verified Google reviews

PROTECT YOUR BUSINESS

Request your quote online now

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