Self-Storage / Mini-Warehouse

Businessowners Plus

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Is your coverage one-size-fits-all?

We know that many generalized business insurance packages can overlook the specific needs of your self-storage or mini-warehouse business.

With McInturf-Fulmer Insurance Group’s Businessowners PLUS Preferred Self-Storage Program, our comprehensive insurance coverage is specifically designed to meet the needs of your self-storage business.


Some Automatic Coverage Highlights Include:

Customers’ Goods Legal Liability - $50,000

Provides coverage for property damage to customer’s property while at your self-storage facility but only to the extent that you are legally liable.

Sale and Disposal Liability - $25,000

Provides coverage for acts or omissions by you arising from the sale, removal or disposition of a customer’s property or lock out of the customer’s space as a result of business operations.

Accrued rental charges are a part of Business Income coverage

Accounts Receivable - $15,000

Building Coverages

Comprehensive Identity Management Services

Coverage for fences, light poles and lighting equipment

Employee Dishonesty - $10,000

Equipment Breakdown

Extended Business Income – 60 days

Fire Department Service Charge - $5,000

Increased Cost of Construction Due to Ordinance or Law - $10,000

Identity Theft Expense Coverage - $2,500

Lock and Key Replacement - $1,000

Medical Expenses - $5,000

Money & Securities Inside/Outside Premises - $5,000/$2,000

Money Orders and Counterfeit Money - $1,000

Newly Acquired or Constructed Buildings - $250,000 and 30 days

Outdoor Signs - $5,000

Pollutant Cleanup and Removal - $10,000

Reward Payment - $5,000

Up to 12 Months Reimbursement for Loss of Rental Income

The following valuable coverages can also be added to the plan:

Non-Owned Auto Liability and Hired Auto Liability and Physical Damage – Extends your protection to vehicles you may rent or borrow.

Insurance coverage by McInturf-Fulmer can be tailored to provide specific coverages for your business’ needs. Most of the coverages included can be increased and other coverages added to round out your policy. A bundle of coverages can be added by purchasing the BOP Platinum Plus Endorsement.

Ineligible Occupancies:

No outdoor storage of any type for motorized vehicles, including campers and recreational vehicles, unless fenced and incidental

Not to exceed two stories in height

No cold storage

No storage of industrial materials, chemicals, pollutants or waste

No facilities in which the original structure was not built for self-storage

With McInturf-Fulmer Insurance Group’s Preferred Self-Storage Program, it’s easy to tailor a policy to your specific requirements. Add inland marine, auto or umbrella liability coverage, as your insurance needs dictate.

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Please note that NO changes to your policy or coverage are binding by submitting Online Forms & Requests. Change requests will only be considered bound upon confirmation from your Broker/Agent.