Coverage Options
Self-Storage Facility Insurance
Every policy a storage operator needs — in one place, from specialists who know the business.
General & Premises Liability
General & premises liability is the foundation of self-storage coverage. It protects against third-party claims of bodily injury or property damage occurring anywhere on your property — driveways, hallways, elevators, gates, and unit rows.
Commercial Property Insurance
Commercial property insurance covers the physical facility itself — your storage buildings, roll-up doors, climate systems, perimeter fencing, gates, security equipment, signage, and office contents — against fire, wind, hail, vandalism, and other covered perils.
Customer Goods Legal Liability
Customer Goods Legal Liability (also called Self-Storage Legal Liability, or SSLL) covers your legal liability when a tenant's stored belongings are damaged by a covered peril you're responsible for — such as a roof leak, water intrusion, fire, or pest infestation.
Sale & Disposal Liability
Sale & Disposal Liability covers claims arising from the self-storage lien process — when a tenant alleges you wrongfully sold, auctioned, or disposed of their property, or failed to follow your state's storage lien notice requirements.
Business Income & Loss of Rents
Business income (loss of rents) coverage replaces the rental revenue you lose when a covered property loss — fire, storm, or other peril — makes units unrentable while you rebuild. It also pays the extra expenses of getting back to operation.
Workers Compensation Insurance
Workers compensation is required by law once you have employees. It covers medical care and lost wages for facility managers, leasing staff, and maintenance workers injured on the job — and provides employer liability protection.
Commercial Umbrella Insurance
Commercial umbrella insurance extends your primary liability limits. For self-storage owners — especially those with multiple sites or lender requirements — an umbrella provides the higher limits a single serious claim or a financing covenant can demand.
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