Specialty Insurance for Self-Storage Facility Owners
We arrange property and casualty programs built specifically for storage operations, from single facilities to multi-state portfolios. Coastal and hard-to-place locations welcome.
We insure storage facilities, not the contents of individual units. If you rent a unit and want to protect your belongings, ask your facility about its tenant protection plan or contact your renters insurance provider.
Our team works with the people who own and operate storage properties.
Facility Owners and Operators
Drive-up, climate-controlled, and mixed-use self-storage facilities, including properties with RV, boat, and vehicle storage.
Multi-Property Portfolios
Independent owners and partnerships holding several facilities across one state or many. We structure blanket programs that treat the portfolio as one account.
Buyers and Developers
Acquisitions, refinances with lender insurance requirements, conversions of existing buildings, and ground-up construction moving from course of construction into a permanent program.
Coastal and Hard-to-Place Properties
Wind-exposed locations that generalist agents struggle to place. We are based in Florida and work in one of the most demanding property markets in the country.
A Standard Business Policy Was Not Built for Storage
A storage operator is a landlord with a unique legal position. Your rental agreement says you are not responsible for tenant property, but courts find operators negligent more often than owners expect: a known roof issue left unrepaired, a lien sale that missed one step in a state statute, hazardous materials abandoned in a unit. Standard business owner policies typically exclude or ignore these exposures. Storage-specific programs exist for exactly this reason, and knowing the difference is our job, not yours.
See the coverages generalists missThe Right Time to Talk Is Before the Deadline
Renewal review
You suspect your current program has gaps or your premium no longer matches the market.
Acquisition
You are buying a facility and need coverage bound by closing.
Refinance
Your lender has insurance requirements your current policy does not meet.
New construction or conversion
You need course of construction coverage now and a permanent program at completion.
Non-renewal
Your carrier is exiting and the clock is running.
A straightforward path from first call to bound program.
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Tell us about your operation
A short form, then a scheduled call at your convenience.
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We take it to the specialty markets
We work with storage-specific programs nationwide, including markets with appetite for coastal property.
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You get a program, not just a policy
Coverage structured for how storage actually gets sued, with a team that services it year-round.
The Team Behind the Program
Storage is not a sideline for us. We are a specialty practice focused on the risks facility owners actually face, from lien sale statutes to coastal wind placement, and we stay current so you do not have to. Behind every program is a dedicated account management team handling the day-to-day: certificates for your lender, endorsements when you refinance or acquire, and mid-term changes when your operation grows. You get specialists who know your industry and a service team that picks up the phone.
Specialty focus.
Storage-specific programs and the coverages generalists miss.
Independent market access.
As a practice of Insurance Office of America, we shop your program across specialty markets instead of forcing it into one carrier's appetite.
Year-round service.
A dedicated team for certificates, endorsements, and lender requests, not just a renewal call.
Everything Around the Program, Handled
Your storage program should not live in a silo, so we also arrange the coverage that surrounds it.
One team, one renewal conversation, your whole operation accounted for.
Request a Coverage Review
Tell us about your facility or portfolio. We respond within one business day.