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Florida’s Finest Insurance Group is one of the most comprehensive property and liability programs for self-storage business, mobile self-storage and records storage operators. The following is an overview of the self storage business insurance coverage offered. This is only a summary of coverage and is subject to policy conditions, limitations and exclusions that may vary from state to state.
Note: Document/Records storage accounts are only eligible if part of a traditional self-storage operation.
Coverage For Self Storage Include:
| Each Building | $1,000,000 |
| Each Location for Business Personal Property | $500,000 |
| Debris Removal (additional) | $250,000 |
| Pollutant Cleanup & Removal | $100,000 |
| Fire Department Service Charge Policy Limit | $50,000 |
| Coverage A – Included in the building limit | Included |
| Coverage B & C – Combined Limit | $250,000 |
| Personal Effects | $25,000 |
| Valuable Papers & Records (other than electronic data) | $25,000 |
| At all described premises | $50,000 |
| In transit or at all undescribed premises | $25,000 |
| Loss Data Preparation Costs | $25,000 |
| Outdoor Property | $25,000 |
| Accounts Receivable | $25,000 |
| At all described premises | $50,000 |
| In transit or at all undescribed premises | $25,000 |
| Fine Arts | $10,000 |
| Personal Property at other Premises | $25,000 |
| Extra Expense | $25,000 |
| Employee Theft | $50,000 |
| Electronic Data | $50,000 |
| Money & Securities | $25,000 |
| Money Orders & Counterfeit Paper Currency | $25,000 |
| Forgery or Alteration | $25,000 |
| Outdoor Signs | $50,000 |
| At or within 1,000 feet of described premises | $50,000 |
| Undescribed premises | $5,000 |
| Lost Key Consequential Loss | $25,000 |
| Appurtenant Buildings & Structures | $100,000 |
| Sewers and Drains – Backup – up to | $100,000 |
* Higher limits are available for most items above.
| General Aggregate Limit | $2,000,000 |
| Products-Completed Operations Aggregate Limit | $2,000,000 |
| Personal & Advertising Injury Limit | $1,000,000 |
| Each Occurrence Limit | $1,000,000 |
| Damage to Premises Rented to You Limit (any one premise) | $100,000 |
| Medical Expense Limit (any one person) | $5,000 |
