Brandon, Florida Self Storage Facilities Insurance

We, at Odiorne Insurance, offer dependable self-storage business insurance that is customizable to your specific needs.

Standard Policy Features

A few standard property coverages include:

• Buildings and Business Personal Property covered on a replacement cost basis, subject to certain limitations
• Debris Removal
• Preservation of Property
• Collapse
• Business Income – Actual Loss Sustained
• Extra Expense
• Certain Pollutant Clean Up and Removal Costs
• Business Personal Property Seasonal Increase

Some standard liability coverages include:

• Products/Completed Operations Aggregate
• Fire Legal Liability
• Employees as insureds in course of business
• Liability assumed through insured-signed contracts
• Host Liquor Liability

Custom coverages – Creating the perfect fit

Our program offers customized, optional coverages, and we don’t just provide standard coverages and expect them to cover all businesses.

Add any of these options to your policy:

• Employee Benefit Liability
• Employee Dishonesty
• Equipment Breakdown
• Umbrella

Every policy comes with many options of standard coverages and limits, convenient payment plans, and opportunities to save. You’ll begin to save immediately on your policy premium if you have not had a claim in the previous year.

Specific Coverage Options Just for Self Storage Operators:

Customer Goods Legal Liability

This coverage can be written with limits up to $500,000 and pays if you become legally liable for property damage to your customer’s possessions stored in your facility.

Sale and Disposal Liability

Written with limits up to $500,000, this coverage will pay if you become legally liable for selling, removing, or otherwise disposing of or blocking access to property left in your storage facility in your attempt to reclaim rental space when fees are delinquent.

Eligibility

• Any warehouse buildings used principally for self-storage of customers’ goods, not to exceed three stories and 300,000 sq. ft. in perimeter for the location.
• Buildings with any percentage of occupants other than self-storage and related offices are not eligible.
• Buildings at a single location can be blanketed.