Our program is designed for self-storage and mini-warehouse facilities. Converted facilities that were not originally built as storage facilities and facilities used for other than storage purposes (e.g. to operate a business) are ineligible.
Here’s a list of some of the coverage features found on the policy:
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12-month loss of income (actual loss sustained)
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Limited Pollutant Removal at limits up to $50,000
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Sale & Disposal Liability at limits up to $100,000
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Customer’s Goods Legal Liability at limits up to $1,000,000
Additional property coverages and extension included are:
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Debris removal of scheduled property up to 25% of direct damage (within limit of insurance)
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Preservation of property – up to 30 days
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Fire department service charge – up to $1,000
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Business income (72-hour waiting period) – up to 4 months (actual loss sustained)
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Extra expense – up to 4 months (actual loss sustained)
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Extended business income (up to 30 days)
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Pollutant clean up & removal – up to $10,000 (not customers property) – see options
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Business income & extra expense by action of civil authority (72-hour waiting period) – up to 3 weeks
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Money orders & counterfeit paper currency – up to $1,000
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Forgery & alteration – up to $2,500
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Increased cost of construction – up to $10,000
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Interior and exterior building glass
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Annual automatic increase for buildings
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Computers covered as business personal property
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Fire extinguisher recharge expense – up to $5,000
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Valuable Papers / Accounts Receivable – up to $10,000 each
General liability coverages included are:
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Premises Operations
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Products / Completed Operations
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Personal Injury & Advertising Injury
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Limits up to $1,000,000 per occurrence
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Annual General Aggregate is twice the occurrence limit
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Fire Legal Liability – $50,000
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Medical Expenses – $5,000
These options are also available:
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Outdoor signs
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12-month loss of income (actual loss sustained)
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Limited Pollutant Removal – limits available; $15,000; $25,000; $50,000
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Tools & equipment (four options):
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Blanket-maximum $2,000 per item
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Scheduled items
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Non-owned tools & equipment
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Employee tools – $5,000 not exceeding $500 per employee, $100 per item
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Hired & non-owned auto liability – EXCLUDES vehicles rented or leased to others by the Insured
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Money & Securities – $5,000 or $10,000 inside / $2,000 outside
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Employee Dishonesty – includes property of customers
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Extended period of indemnity – up to 360 days subject to a stated amount
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Employee Benefits Liability (claims made form)
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Ordinance or Law coverages
