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September 16, 2013

Do You Need Self Storage Insurance?

21980589_mWhen it comes to self storage insurance it’s important to know that there are two types of policies possible.

One is designed for people who store their property in a storage unit.

The other type of insurance is designed for owners of self storage facilities. The purpose of this type of policy is to cover the property as well as protecting the business owner with liability coverage for a range of options.

In this article we’ll focus on business owner storage insurance.

Self storage insurance for business owners

When it comes to self storage insurance for the owners of these facilities, what are some of the things you’ll want to consider.

For starters you’ll need coverage for the property itself.

This will insure your facility itself (single building facility) or the buildings on the property that make up your self storage business. Some considerations, and challenges, when it comes to property insurance is the age, type, layout and geographic region of the property.

For example,

  • are you in a coastal wind or flood zone?
  • is your facility unfenced?
  • if your self storage facility located in a converted building (more common in NYC and other metro areas)

All of these factors dictate how hard or easy it will be to get coverage, along with the overall cost of the policy or policies required for your situation.

Next, you’ll want to get owner liability coverage as well.

Now, when it comes to liability insurance there are a mind-numbing amount of liability coverage options to consider. Some of these include:

  • General Liability
  • Sale & Disposal Liability
  • Customer Goods Legal Liability
  • Resident Manager Liability
  • Worker’s Compensation
  • Employment Practices Liability
  • Privacy & Network Security (Cyber Liability)
  • Professional Liability (for property management companies)
  • Limited Pollution Liability

Yes, it can get confusing… fast.

So which type of coverage or coverages do you need?

Well, it really depends on a number of specific factors related to your facility. That’s why it’s important to speak with an insurance specialist who works with self storage facility owners. Let’s face it, your typical insurance agent may not have a clue how to properly cover your business.

Does that make sense to you?

For a free, no-obligation self storage facility insurance quote from a national provider of self storage insurance simply click the link to get started.

Get your free, no-obligation quotes today

Are you searching for affordable liability insurance?

Save time and aggravation with a free, customized, quote comparison from qualified insurance providers. It only takes a few minutes so why not enjoy peace of mind by getting the coverage you need.

Get your FREE, no-obligation liability insurance quotes today.

Or you can search through our list of liability insurance providers for your State or Metro area that can help you get the insurance coverage you need.

Either way the choice is yours…

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Filed Under: Business Insurance, Business Liability Insurance, Insurance, Self Storage Insurance

Michael Guerin

Michael Guerin is a writer and entrepreneur. His areas of expertise are: insurance, retirement planning, marketing, SEO, online lead generation, and helping businesses cost effectively use the web to dramatically improve revenue. His latest book How to Get More Leads from Your Insurance Agency Website is available from amazon.com.

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