Warehouse Program

 Warehouse Insurance


Sterner Insurance Agency - Apple Valley, MN - Your Warehouse Insurance Professionals

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Warehouse, distribution and factory insurance is a specialist market; it’s because of high stock values and being in one place means that the risk of theft or fire is far higher than your average Main Street retailer. Whether your warehouse is used for contract purposes, or operates as a private business, warehouse owners should make sure that it is safeguarded with commercial insurance coverage. 
 Warehouse Insurance

General Liability

  • Primary Limits up to $3,000,000 Occurrence/Aggregate

Included Coverages:

  • Medical Payments Coverage - $5,000 Limit


  • Minimum $500 Deductible Required


  • Basic, Broad or Special Form
  • Replacement Cost or ACV
  • Building
  • Contents
  • Business Income
  • Equipment Breakdown
  • Accounts Receivable
  • Computer Equipment
  • Contractor's Equipment
  • Outside Signs
  • Valuable Papers
  • Food Spoilage


  • Inside the Premises - Theft of Money and Securities
  • Outside the Premises

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Warehouse Insurance policy holders.