Third-Party Logistics Insurance Coverage Checklist
The coverages a third-party logistics business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for third-party logistics and fulfillment providers. Priorities reflect typical exposure; confirm against clients and goods.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Warehouse Legal Liability | Covers clients' goods when the 3PL is legally liable — general liability excludes them. | Core | |
| Commercial Property & Business Income | Covers the facility, racking, and equipment, and lost income after a loss. | Core | |
| Cyber Liability (incl. Business Interruption) | Covers ransomware and system outages that halt fulfillment. | Core | |
| Products / Completed Operations | Covers claims from kitting, labeling, and repackaging work. | Prevalent | |
| Crime (incl. Employee Theft) | Covers insider theft of clients' inventory. | Prevalent | |
| Workers' Compensation | Covers warehouse staff — confirm temporary workers are addressed. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is liability for clients' goods. A 3PL's own property policy doesn't cover inventory it holds for clients, and one fire can destroy everything under one roof — as a 2026 fire at a 3PL-run distribution center showed. 3PLs should carry warehouse legal liability, limit liability in client agreements, and screen every worker.
Send us the checklist and we'll review your third-party logistics coverage line by line, then market it across multiple carriers that compete for your account.
Related: Third-Party Logistics (3PL) & Fulfillment Insurance · Third-Party Logistics Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a third-party logistics business need?
The core coverages for a third-party logistics business are Warehouse Legal Liability, Commercial Property & Business Income, Cyber Liability (incl. Business Interruption), Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my third-party logistics coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.