Warehouses & distribution in California · Edge · Hedge E&S
Hedge / Appetite / Warehouses & distribution / California
● Edge in California, case by case / P&C

Warehouses & distribution in California.

Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually.

NAICS   493110 · 493120 · 493130
Also known as   logistics, 3PL, fulfillment center, storage facility

AB 2143 (warehouse worker quota) compliance required for 100+ employees.

Submit a risk All states for this class
Coverage

What we'd quote.

Standard limits on a clean warehouses & distribution submission. Excess towers structured on request.

Commercial Property $50M TIV / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → Inland Marine (BPP) $5M (if shipping) Inland Marine (BPP) wholesale → Product Liability Per goods stored Product Liability wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 ESFR sprinklers in racked storage
02 Class I-IV non-hazardous commodities
03 On-site security after hours
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01Commodity class (food, electronics, etc.)
  • 02Rack height + sprinkler rating
  • 03Forklift count + drivers
  • 04Hours of operation
  • 05% own stock vs. customer goods
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write warehouses & distribution in California?

Case by case in California. AB 2143 (warehouse worker quota) compliance required for 100+ employees. The base appetite still applies. Send the file and we'll quote with the state-specific carve-outs.

What's different about warehouses & distribution in California?

AB 2143 (warehouse worker quota) compliance required for 100+ employees. That's the carve-out brokers need to know about up front. Everything else mirrors the base warehouses & distribution appetite. See the Submission section for the full list.

What limits will Hedge offer on warehouses & distribution in California?

Commercial Property to $50M TIV / loc; General Liability to $1M / $2M; Inland Marine (BPP) to $5M (if shipping); Product Liability to Per goods stored. Excess towers are structured on request. State-specific carve-outs (e.g. CA California wind / wildfire / labor-law endorsements) priced individually.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671