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Your Favorite Insurance People

607-843-8860    insurance@drickardinsurance.com

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Properties Covered      Coverage Options      Savings Ideas      FAQ      Tools for Landlords or Property Managers

Storage Facility

Public Storage Facility Insurance

Mini storage and self-storage business owners have the need the protect their biggest real assets, their buildings. The approach to insuring self or mini storage businesses differs from landlord to landlord. Some wish to cover only the investment in the property its self, others want the buildings insured for the full replacement cost, yet others want some protection somewhere in between. Good news for all of you, we have the solutions!

NOTE: When insuring business buildings the best practice is to list every building on the policy, even the little sheds and electrical lean-tos.

While there may be some need for your business personal property coverage for things in your office and the equipment to maintain the property the need that is most often overlooked but extremely important is the possibility of losing income. After all, creating an income stream is probably the reason you got into the business in the first place.

NOTE: When insuring business personal property the best practice is to list what building the items are going to be in. If you are unsure please request from us that a blanket provision be on the policy so your contents are not limited to one building, thus giving you flexibility.

NOTE: When protecting business income the best practice is to actually calculate what the annual rents are and insure based on this about. True there are often automatic amounts of coverage for business income. However, often this coverage is not enough.

Liability

Liability concerns are frequently discussed when building this type of policy.

Be sure to count open air storage spaces as well as enclosed units. We could be on and on here about what your needs might be for this item, instead please call us to discuss what you need. 607-843-8860

FAQ – What can save me money on my insurance?

  • Have all of your units use overhead rolling doors.
  • Use steel construction materials.
  • Keep your property in good repair.
  • If possible build within 5 miles of a fire department.
  • If possible build within 1000 feet of a fire hydrant.
  • Remain loss free.
  • Increase your deductible.
  • Contact us to find insurance savings at 607-843-8860

For more information and to find out if your tenant occupied property qualifies for the insurance policies we have found please contact us at insurance@drickardinsurance.com or 607-843-8860.

Click Here to send us basic information for an insurance premium indication.

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