Expanded coverages to meet your unique needs.

There’s nothing ‘mini’ about the protection provided by our mini-warehouse/self-storage package policy. We’ve packed in many expanded coverages to meet your unique needs.

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