Self-Storage

SELF-STORAGE BUSINESS OWNERS

We offer a custom commercial insurance program for Self-Storage owners and operators.

Advantages:

• Low minimum premiums
• Competitive rates including discounts for association membership, protective devices and multiple locations
• Quick turnaround for quotes, coverage binders and policy issuance
• Wind Capacity
• Pricing Flexibility
• Small & Large Accounts
• "One Stop Shopping"

DIRECTIONS FOR SUBMISSION

DIRECTIONS FOR SUBMISSION	Email:   selfstorage@brittpaulk.com Fax:     770-836-8563

SELF-STORAGE

TRADITIONAL

RATING	Admitted, A.M. Best "A+"
TERRITORY	National
COVERAGE	Self-Storage Business Owners Coverage Form SPECIAL CAUSE OF LOSS- Subject to exclusions & limitations
PROPERTY FEATURES	Blanket Building & Personal Property Replacement cost Business Income & Extra Expense- 12 months actual loss sustained Accounts Receivable- $25,000* Business Computer Coverage - $25,000* Debris Removal- $25,000* Money & Securities- $10,000* on premises/ $2,000 off premises Ordinance or Law Coverage- $100,000 Outdoor Signs- $10,000* Pollution Clean-up- $25,000* Trees, Shrubs and Plants- $500 per tree, shrub or plant Valuable Papers & Records- $25,000* * These limits may be increased for additional premium
COURSE OF CONSTRUCTION	BOP extension for additions and buildings under construction, including alterations and repairs to the building or structure.  Course of Construction includes materials, equipment, supplies and temporary structures from time of delivery to completion & occupancy.
DEDUCTIBLES	Options of $500, $1,000, $2,500, $5,000, $10,000 or higher available
CUSTOMER’S GOODS LEGAL LIABILITY	$25,000, with limits up to $2,000,000 available
SALE & DISPOSAL LIABILITY	$10,000, with limits up to $2,000,000 available
HAZARDOUS CONTENTS REMOVAL	$25,000, $50,000 or $50,000-$200,000 available
BUSINESS LIABILITY	$300,000 included with $500,000, $1,000,000 or $2,000,000 available
MEDICAL EXPENSE	$5,000 with higher limits available
AVAILABLE UPON REQUEST	Resident Managers Liability Employee Dishonesty Employee Benefit Liability Equipment Breakdown Directors & Officers Liability Environmental Employment Practices Liability Miscellaneous Professional Liabiltiy
UMBRELLA/EXCESS LIABILITY REQUEST	$1,000,000 to $5,000,000 for true umbrella or follow-form excess liability coverage.
WORKERS’ COMPENSATION	National
Premium Financing	10% Down, 10 Payments

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MOBILE SELF STORAGE OPERATIONS

When attached to the Self Storage Business Owners Coverage Form, this Extension provides coverage for mobile self storage containers (including accessories) owned by the insured and leased to others.

RATING	Admitted, A.M Best "A+"
TERRITORY	National - (state filings in process- contact us for availability)
FEATURES	At the Insured's Premises At Any Rental Site At a Temporary Location - 10,000 automatic* While in Transit by the Insured - $10,000 automatic* *Limits may be increased for additional premium
QUAKE & FLOOD COVERAGE	Earthquake - $25,000 automatic* Flood - $25,000 automatic* A mandatory $1,000 minimum deductible applies,(except CA - 5% with a minimum of $1,250) *Limits may be increased to $50,000, $100,000 or $250,000 for an additional premium
BUSINESS LIABILITY	Extends to off-premises exposures and is based off the actual receipts for mobile self storage operations.
CUSTOMER'S GOODS LEGAL LIABILITY	Extended to $25,000 to $1,000,000 Limits available.
SALE & DISPOSAL LIABILITY	Extended to $10,000 to $1,000,000 Limits available.
COMMERCIAL AUTO COVERAGE	Commercial Autos and Trailers. ISO Business Auto Coverage Form
UMBRELLA/EXCESS LIABILITY	$1,000,000 to $5,000,000 for true umbrella or follow-form excess liability coverage.
WORKERS' COMPENSATION	National (excluding HI)

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