Who we can help
A closer look at your exposure.
Self-storage owners and operators, including indoor units, outdoor storage and mixed-use storage locations.
Fire, water entry, security failures and business interruption can affect many units at once. Customers’ goods and the operator’s legal responsibility need particular care in contracts and insurance.
What to discuss with your broker
Buildings & business property
Review site values, unit construction, gates, security equipment and office contents.
Rental income
Consider lost income and continuing expenses after insured damage to the facility.
Operator liability
Discuss public access, vehicle movement, goods in your care and storage-contract terms.
Customer goods arrangements
Clarify whether tenants must arrange their own coverage or whether a separate program is available.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Site locations, unit count, occupancy and annual rental revenue
- Construction, fire protection, drainage and security controls
- Storage agreements and permitted or prohibited goods
- Outdoor vehicle storage details and claims history
A question worth asking
Are customers’ belongings covered by the facility policy?
Not automatically. The operator’s property insurance, its legal liability and a customer’s contents insurance can respond differently. The storage agreement should clearly explain the arrangement.