Self-Storage Business Owners Insurance

We offer a custom commercial insurance program for Self-Storage owners and operators.

Program Features

• Competitive rates including discounts for association memberships, protective devices and multiple locations
• Quick turnaround for quotes, coverage binders and policy issuance
• Wind Capacity
• Pricing Flexibility
• Small & Large Accounts
• "One Stop Shopping"

Property Features

• Blanket Building & Personal Property
• Replacement cost
• Business Income & Extra Expense - 12 months actual loss sustained
• Accounts Receivable - $25,000*
• Business Computer Coverage - $25,000*
• Debris Removal - $25,000*
• Money & Securities - $10,000* on premises/ $2,000 off premises
• Ordinance or Law Coverage - $100,000
• Outdoor Signs - $10,000*
• Pollution Clean-up - $25,000*
• Trees, Shrubs and Plants - $500 per tree, shrub or plant
• Valuable Papers & Records - $25,000*

*These limits may be increased for additional premium

Course of Construction

BOP extension for additions and buildings under construction, including alterations and repairs to the building or structure.  Course of Construction includes materials, equipment, supplies and temporary structures from time of delivery to completion & occupancy.

Deductibles

Options of $500, $1,000, $2,500, $5,000, $10,000 or higher available.

Specific Lines / Coverages

• Customer's Goods Legal Liability
  • $25,000, with limits up to $1,000,000 available
• Sale & Disposal Liability
  • $10,000, with limits up to $1,000,000 available
• Hazardous Contents Removal
  • $25,000, $50,000 or $50,000 - $200,000 available
• Business Liability
  • $300,000 included with $500,000, or $1,000,000 available
• Medical Expense
  • $5,000 with higher limits available

Available Upon Request

• Resident Managers Liability
• Employee Dishonesty
• Employee Benefit Liability
• Equipment Breakdown (except in FL)
• Workers Compensation
• Umbrella/Excess Liability Request
  • $1,000,000 to $5,000,000 for true umbrella or follow-form excess liability coverage

States Available 

National

Contact Information

For more information or to find an administrator, please contact:

Katherine Girard
609.951.8044
kgirard@munichreamerica.com