Self-Storage Owners

Republic Western Insurance Company has been offering insurance to self storage facility owner/operators for over 10 years. We understand the unique needs of the self storage industry and have developed a program offering you affordable and broad insurance coverage for your assets in the event of a property or liability loss.

Your self-storage buildings, personal property and profits are your assets and livelihood. They are your business investments and are important to you. Print out a Self-Storage Application and send it to us today to get your coverage started.

You can use our Self-Storage Owners claim form to submit a claim online.

Standard Coverage Includes:

Business Property - Your business property is covered against direct physical loss or damage (subject to the terms, conditions and exclusions of the policy). This includes replacement cost on buildings and business personal property with no coinsurance. Buildings and business personal property are covered on a blanket basis per location. Various deductible options are available.

Loss Of Income - Your income is covered from direct physical loss or damage to business property. Coverage is provided for Business Interruption and Extra Expenses. Coverage is available for up to 12 months in most states. Standard coverage ends upon reconstruction of the buildings, but provides for payments up to six months following reconstruction, while the storage spaces are being re-rented.

Comprehensive Business Liability - Provides coverage for bodily injury and property damage that you become legally obligated to pay in connection with your self storage operations. This includes products, new construction, personal and advertising injury.

Premises Medical Payments - Covers you against claims for medical expenses arising from accidents on your premises.

Hired (Auto You Rent) and Non-Owned Automobile Liability - Provides coverage against liability claims arising out of the use of a hired (auto you rent) or a non-owned auto used in the course of your self storage business by you or your employees.

Electronic Data Processing Equipment Protection - Insures against direct physical loss or damage to electronic data processing equipment and components, including property which is owned, leased, rented or under the care, custody or control of the insured and for which the insured may be held liable.

Sale and Disposal Legal Liability - Broad-form coverage is also available for claims against negligent acts that arise from the sale, removal or disposition of customers' property when reclaiming rented space for which rental or other charges are delinquent or unpaid, subject to a $1000 deductible.

Available Optional Coverages:

Employee Dishonesty - Provides coverage for your monetary or other business personal property loss incurred by you as a result of the dishonest or fraudulent acts of an employee, subject to a $250 minimum deductible.

Customers' Goods Legal Liability - Coverage is available against loss or damage to your customers' personal property, if you are legally liable.

Builder's Risk (Buildings in Course of Construction) - Coverage provides for property (building materials, equipment, etc.) which is or will be part of the completed building. This can be added to the facility's policy and includes new buildings as well as additions to existing buildings.

Owned Automobiles - Available only when written in conjunction with the Owners Self Storage Policy, provides coverage for liability, medical payments, uninsured/underinsured motorists, comprehensive and collision for:

• Vehicles you rent to your customers
• Vehicles you use in your business to maintain operations