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