What we do for self storage clients.
Self storage is a specialty all its own. Between tenant lease agreements, lien sales, gate and access technology, and unattended sites, the exposures look nothing like a standard commercial building.
We work with owners and operators of single facilities, portfolios, climate-controlled and drive-up sites, RV and boat storage, and mixed-use conversions — placing coverage with carriers that write self storage every day.
How the program comes together.
Commercial Property
Replacement-cost coverage for buildings, roll-up doors, fencing, gates, kiosks, signage, and office contents — including ordinance & law and equipment breakdown for climate-control systems.
Business Income & Extra Expense
Lost rental income while units are untenantable after a covered loss, plus the extra expense of temporary operations, security, and debris handling.
General Liability
Premises liability for slips, trips, gate and door injuries, and auto-loading areas — with additional insured wording for lenders, landlords, and management companies.
Customer Goods Legal Liability
Coverage for damage to tenant property in your care, custody, and control when your facility is legally responsible — the coverage standard commercial property policies exclude.
Sale & Disposal Liability
Defense and indemnity for lien sale and auction disputes — wrongful sale, improper notice, and disposal claims that follow delinquent-unit procedures.
Crime & Employee Dishonesty
Theft of money and securities, forgery, and employee dishonesty — important for cash-handling offices and remotely managed sites.
Umbrella / Excess Liability
Extra limits above GL and auto, sized to lender, franchise, and management agreement requirements across your portfolio.
Cyber Liability
Breach response and regulatory defense for tenant records, autopay card data, and cloud-based gate, access, and management platforms.
Commercial Auto & Hired/Non-Owned
Owned trucks, courtesy rental vans, and non-owned auto for managers and maintenance staff traveling between sites.
Workers' Compensation
Correctly class-coded for managers, maintenance crews, and multi-site staff — with audit support so payroll allocations hold up.
Pollution & Environmental
Site pollution coverage for fuel storage, tenant-stored chemicals, mold, and cleanup obligations at drive-up and vehicle storage facilities.
Tenant Insurance Programs
We help operators structure tenant protection and tenant insurance offerings that reduce claims friction and add an ancillary revenue line.
We know what carriers ask self storage operators — lease wording, lien procedures, gate access logs, camera coverage, and unit mix — and we package the submission so it prices like the well-run operation it is.