Core protection plus the specialty coverages that determine whether a storage claim is paid or fought.
Every storage program starts with the fundamentals, structured for your property values, construction types, and locations.
Buildings, office contents, and equipment, with blanket options across multiple locations and ordinance coverage for older structures.
Premises exposure from tenants and visitors moving through your facility every day.
Replaces lost rental income while a covered loss is repaired, with options to extend the recovery period for major rebuilds.
Breakdown coverage for gate systems, security and camera systems, HVAC serving climate-controlled space, and office technology.
Placement for coastal and wind-exposed properties, including markets with genuine appetite for Florida and Gulf Coast risk.
Builder's risk for ground-up projects and conversions, transitioning into the permanent program at completion.
These coverages generally do not exist in a standard business owner policy. They are the reason storage-specific programs exist.
Your lease says tenant property is the tenant's problem. A court can disagree the moment your operation is negligent. This coverage responds when you are held legally liable for damage to tenant property, including defense costs.
Lien sales are governed by state statute, and the statutes are unforgiving about notice methods, timing, and documentation. This coverage responds when a former tenant claims the lockout, sale, or disposal of their property was handled negligently.
When a tenant abandons hazardous materials in a unit, the cleanup obligation lands on the facility. This coverage pays removal and detoxification costs when a statutory authority requires them.
Real-world scenarios showing how these exposures actually play out for storage operators. Details are illustrative composites, not client accounts.
A tenant flags daylight showing through the corner of their unit and the manager promises a fix. Months pass, a storm soaks the unit, and the tenant's furniture is ruined. Because the operator knew about the defect and failed to act, a court finds negligence, and the lease clause disclaiming responsibility for tenant property does not save them. Customer goods legal liability is the coverage that responds, including the legal defense.
An operator runs a lien sale on a delinquent unit and follows every step they know. An attorney letter arrives a month later: state statute required delinquency notice by certified mail, and the operator used regular mail. One procedural miss creates liability for the full value the former tenant claims. Sale and disposal liability exists for exactly this kind of statutory misstep.
At move-out, an operator discovers a vacated unit holding several drums of industrial chemicals, stored in violation of the lease. The environmental authority does not care what the lease said; the facility owns the cleanup. Limited pollutant removal covers the required removal and detoxification, and the better forms apply to every unit at the facility, not just those rented after the coverage started.
A facility owner lets an underperforming employee go, and a wrongful termination claim follows alleging discrimination. Whether or not the claim has merit, defense costs alone can run well into five figures. Employment practices liability funds the defense and any covered settlement.
An owner discovers an employee has been using customer information to apply for credit. The employee is gone the same day, but notification obligations to every affected tenant remain, along with credit monitoring and potential claims. Data compromise coverage manages and funds the response.
Employment practices liability for any facility with staff.
Cyber and data compromise coverage, since your management software holds tenant identities, payment data, and gate codes.
Tenant protection programs, which shift first-dollar tenant property risk off your liability program and can add a revenue stream. If you run one or are considering one, bring it up on our call and we will make sure your program and your policy work together.
A coverage review costs nothing and usually takes one call.
