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Insurance & Risk Management

Tenant protection plans and facility liability insurance shield self storage owners from lawsuits while adding high-margin recurring revenue to every rental.

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Coverage:

Showing 134 vendors

FEATURED

Arthur J. Gallagher & Co. Insurance Services

Arthur J. Gallagher & Co. is one of the world's largest insurance brokers, providing commercial property, liability, and workers compensation coverage to self-storage operators nationally.

(312 reviews)
FEATURED

Bader Co.

Bader Company offers tenant protection programs for self-storage operators with ~25–30% revenue share and no startup cost.

(134 reviews)
FEATURED

Deans & Homer

Deans & Homer is a specialty insurance program manager providing property and liability coverage specifically designed for self-storage facility owners.

(0 reviews)
PREMIUM

MiniCo Insurance Agency

MiniCo Insurance Agency has served the self-storage industry since 1974, offering both tenant protection programs and comprehensive facility property/liability insurance.

(203 reviews)
PREMIUM

Ponderosa Insurance Agency LLC (Safestor)

Ponderosa Insurance Agency has operated the SafeStor tenant protection program since 1973 — one of the industry's longest-running programs — offering ~30% revenue share to operators.

(187 reviews)
PREMIUM

Storage Protectors

Storage Protectors is a self-storage insurance specialist with 40+ years of experience, offering customized property and casualty programs for facility owners.

(67 reviews)
PREMIUM

Xercor Insurance Services LLC

Xercor Insurance Services offers storage-specific tenant protection programs and facility insurance, with flexible structures tailored to the self-storage industry.

(98 reviews)
PREMIUM

Universal Insurance Programs

Universal Insurance Programs has provided tenant protection programs to the self-storage industry since 1996, offering operators ~25% revenue share nationwide.

(112 reviews)
PREMIUM

StorageFirst Insurance

StorageFirst Insurance provides a property and liability package designed exclusively for self-storage and mobile-storage businesses, underwritten by NOVA Casualty.

(76 reviews)
PREMIUM

StorageDefender LLC

StorageDefender LLC provides a tenant protection insurance program with an online enrollment portal, offering self-storage operators a ~20–25% revenue share.

(61 reviews)
PREMIUM

PSCC Inc.

PSCC Inc. operates the Savvy Storage Insurance Program, a tenant protection program offering self-storage operators a ~25% revenue share with simple enrollment.

(54 reviews)
PREMIUM

SBOA Tenant Insurance

SBOA Tenant Insurance is the tenant protection program of the Storage Business Owners Alliance, offering ~25% revenue share to self-storage operators.

(48 reviews)
PREMIUM

Storable Insurance

Storable Insurance is natively embedded in the Storable software platform, offering both tenant protection and facility P&C insurance with automated enrollment for Storable customers.

(89 reviews)

Independent Insurance Brokers Arizona

Our experienced insurance agents are pleased to answer any questions regarding our insurance types, carriers, and more. Contact us to Request A Quote.

(299 reviews)

Samuel Insurance Agency

Samuel Insurance Agency is an independent insurance agency located in Phoenix, Arizona. Request a quote from our friendly staff today!

(274 reviews)

Southland Insurance Services

Let Us Protect What's Yours. Call Our Agency Insurance Quotes Let Us Protect What's Yours. Many locations to serve you Mainly in the Valley Area Begin a quote: Vehicle Insurance As an independent i...

(270 reviews)

Lumenasa Insurance Agency LLC

Lumenasa Insurance Agency LLC provides services for self-storage facilities.

(213 reviews)

Ray Johnson - Insurance Agency

Get personalized insurance quotes & expert guidance. Contact us for assistance with your coverage needs!

(188 reviews)

Sarbu & Stan Insurance Services

Sarbu & Stan Insurance specializes in bring you the best auto, home, business, adult home care and rental insurance in Phoenix, Scottsdale, Tempe, Glendale and Mesa AZ.

(168 reviews)

Hassett Insurance

Meet the Hassett Insurance Team. They will get you exceptional pricing, _x000D_ service, and expertise on Auto, Motorcycle, Homeowners, Condo, Renters, _x000D_ Umbrella, Life, and Commercial Insura...

(140 reviews)

PJO Insurance Brokerage

Scottsdale Commercial General Liability Insurance for any corporation that needs a policy. Insulate yourself from risk with a policy today!

(45 reviews)

Connect Insurance Group LLC

Need assistance with your insurance? Contact Connect Insurance Group in Phoenix for personalized service. Call or text us at 602-649-2955 to get started today.

(44 reviews)

Talanton Insurance

We are adding new states all of the time to offer the best insurance solutions for contractors, businesses, trucking, towing, garages, and heavy diesel...

(44 reviews)

ARK Insurance Solutions Inc of Phoenix, AZ

ARK Insurance Solutions of Phoenix provides choice and competency to match client-specific insurance solutions at a competitive price.

(24 reviews)

Hart Insurance Agency

An independent insurance agency building long-term relationships and providing comprehensive coverage for business, benefits, and personal needs.

(16 reviews)

AZ Medicare Insurance Agents/Brokers - Kelley Services, Inc.

Your Local Arizona Medicare Brokers. We are Licensed Independent Medicare Insurance Brokers specializing in providing you with a clear understanding of how Medicare works specifically for you. We ...

(13 reviews)

Walnut Risk Management

Employee-owned and operated, Walnut Risk Management provides quality commercial and personal insurance solutions nationwide.

(7 reviews)

American US Insurance

Florida Home, Auto & Business Insurance

(5 reviews)

BASIS Insurance Group

BASIS Insurance Group offers a wide range of personal and business insurance solutions, including specialized coverage for the self-storage industry.

(5 reviews)

Professional Insurance Brokers, Inc.

Get professional liability insurance in Phoenix, AZ through Professional Insurance Brokers, Inc. Contact us at 623-465-5300 or fill out the form for information.

(5 reviews)

South Lake Agency - Insurance Brokers Phoenix

Please feel free to contact us, a licensed broker will respond typically within 1 business day.

(5 reviews)

Von Smith Insurance

An independent insurance agency offering a wide range of personal and business insurance coverages.

(5 reviews)

Jennings Insurance Agency

Jennings Insurance Agency provides auto, home, life, and business insurance solutions.

(4 reviews)

Cordell & Company Insurance Agency

Cordell & Company Insurance Agency offers insurance, financial, and risk management services since 1964.

(3 reviews)

Sauls Insurance Agency

An independent insurance agency offering personal and business coverage in South Carolina.

(3 reviews)

Benson Insurance Inc.

An independent insurance agency offering a wide range of personal and business insurance solutions.

(2 reviews)

Norwood Insurance Inc

Norwood Insurance Inc is an independent insurance agency offering personal and business coverage in the Hartsville, South Carolina area.

(2 reviews)

Young Insurance Agency, LLC

An independent insurance agency offering personal and business coverage in Washington and Montana.

(2 reviews)

American Ins & Inv Corp

American Ins & Inv Corp provides personal, business, and self-storage insurance solutions.

(1 reviews)

DALACS Insurance Team

DALACS Insurance Team offers personal, business, and self-storage insurance in Sutherlin, Creswell, and Cottage Grove.

(1 reviews)

JPG Insurance

An independent insurance agency offering diverse business and personal insurance solutions in Las Vegas, Nevada.

(1 reviews)

Manna Insurance Group

Manna Insurance Group provides comprehensive insurance coverage for personal, business, and specialty needs, including self-storage.

(1 reviews)

Stastny Insurance Agency

Stastny Insurance Agency provides personal and commercial insurance, including self-storage coverage.

(1 reviews)

Summit Insurance Group

Summit Insurance Group is an independent agency offering personal and business insurance solutions in Washington and beyond.

(1 reviews)

The Fairway Insurance Group

An independent insurance agency providing comprehensive personal and business insurance solutions in Fort Lauderdale, Florida.

(1 reviews)

Smart Insurance

Smart Insurance provides a wide range of personal and business insurance solutions, including specialized coverage for self-storage facilities.

(9418 reviews)

Insurance Brokers of Arizona

Insurance Brokers of Arizona represents the top auto, home and business insurance companies in Gilbert, Chandler & Mesa ! Call 480-812-1998

(2200 reviews)

Coriano Insurance Agency

Coriano Insurance Agency is an independent insurance brokerage focused on finding the best coverage for the right price in Phoenix, Scottsdale, Chandler, Surprise, Peoria, Glendale and all over the...

(442 reviews)

William Knight Insurance Agency

Providing exceptional insurance services for personal and commercial needs since 1977.

(402 reviews)

Crown Insurance

Looking for a highly rated insurance agency in Phoenix, AZ? We've got you covered! Start your quotes online in seconds or call us today!

(388 reviews)

Navigate Risk Advisors

An independent insurance agency offering comprehensive personal and business coverage across all 50 states.

(306 reviews)

CoverLink Insurance

CoverLink Insurance provides tailored insurance protection for personal, business, and medical professional needs, including self-storage facilities.

(171 reviews)

Empire Insurance Brokers

Empire Insurance Brokers offers secure solutions for personal and business risks in AZ, CA, FL, ID, MT, NV, SC, TX, OR, and WA. Get a quote today!

(157 reviews)

AZ Health Insurance Brokers

Learn about business health insurance in Arizona options. Discover benefits of group health insurance for employee retention, types of networks and more.

(140 reviews)

Independence Insurance Group PLLC

Independence Insurance Group PLLC provides services for self-storage facilities.

(118 reviews)

Contractors Insurance Agency Inc

At Contractors Insurance Agency we provide our customers with quality insurance products and services at an affordable price.

(94 reviews)

Always Insured LLC

Always Insured LLC provides services for self-storage facilities.

(90 reviews)

Action Commercial Insurance

Action Commercial Insurance offers personal and business insurance, including specialized self-storage coverage.

(89 reviews)

Pro Financial Insurance

Looking for a highly rated insurance agency in Phoenix AZ? We've got you covered! Start your quotes online in seconds or call us today at (480) 706-1805.

(88 reviews)

The Insurance Hero

An independent insurance agency offering personal and business coverage in Austin, Texas.

(68 reviews)

All Sufficient Insurance

Independent insurance agency offering personal and business insurance coverages in Myrtle Beach, South Carolina.

(67 reviews)

Choice Plus Insurance

Choice Plus Insurance is an independent agency offering a wide range of personal and business insurance coverages.

(54 reviews)

LOYALTY INSURANCE LLC

Just another WordPress site

(44 reviews)

Pacific Insurance Company LLC

Protect your home with our comprehensive home insurance policies. Get a quote today and ensure your peace of mind.

(38 reviews)

Ballenger Insurance

An independent insurance agency offering auto, home, business, and life insurance, including specialized self-storage coverage.

(33 reviews)

M.C.INSURANCE SERVICES LLC

M.C.INSURANCE SERVICES LLC provides services for self-storage facilities.

(28 reviews)

Gustafson Insurance

Providing comprehensive auto, home, and business insurance solutions.

(27 reviews)

Arizona insurance Depot

auto & home insurance also business insurance

(10 reviews)

Hill & Usher

Leading insurance and surety agency with a complete line of commercial- and personal-insurance and surety products. Licensed in most states.

(134 reviews)

Insurance of State 48 LLC

Looking for home or commercial insurance? Visit our website for a free quote!

(69 reviews)

Lancaster & Associates Insurance, INC.

A veteran-owned and operated agency in Orlando, Florida, providing insurance and risk management solutions.

(59 reviews)

Arrowhead Insurance LLC

Looking for a highly rated insurance agency in Peoria AZ? We've got you covered! Start your quotes online in seconds or call us today!

(21 reviews)

SafeLease

SafeLease is a modern tenant protection platform offering up to 60% revenue share — the highest in the industry — with automated enrollment and deep software integrations.

(143 reviews)

MBA Insurance

Get a Quote Today for Motorhome, Trailer, Overland and Powersport Rental Insurance from the #1 provider in the rental insurance industry.

(121 reviews)

Chewelah Insurance Agency

Providing comprehensive insurance solutions for individuals, businesses, and farms in Chewelah and Spokane, Washington.

(103 reviews)

Albatross Insurance Agency

Albatross Insurance Agency provides services for self-storage facilities.

(53 reviews)

Brayer Insurance Services

Brayer Insurance Services is an independent agency offering online quick quotes for personal and business insurance throughout Washington state.

(21 reviews)

Mr. Insurance, Inc.

Looking for insurance in Phoenix Arizona? Mr. Insurance in Phoenix Arizona can get you covered fast. Get your free insurance quote from Mr. Insurance.

(10 reviews)

Frankenmuth Mutual Insurance

Frankenmuth Mutual Insurance is a highly-rated regional insurer with a strong reputation among self-storage operators in the Midwest for reliable property coverage and claims service.

(88 reviews)

UBI Business Brokers of Arizona

Get in touch with UBI Business Brokers if you want to purchase or franchise a small business anywhere in Arizona. We have been offering business buying and selling services to Arizona since 1975. I...

(72 reviews)

Logan Insurance Agency, Inc

A locally owned independent agency providing personal and business insurance solutions in Ohio.

(36 reviews)

Rodriguez Insurance

Rodriguez Insurance provides services for self-storage facilities.

(20 reviews)

Vern Fonk

Providing low-cost auto, home, and business insurance in Washington, Oregon, and Idaho for over 60 years.

(375 reviews)

Burns & Wilcox

Burns & Wilcox is a leading wholesale insurance broker offering specialty property and liability programs for self-storage facilities through independent retail agents.

(156 reviews)

Courtesy Insurance

Courtesy Insurance provides services for self-storage facilities.

(137 reviews)

Brown & Brown Insurance of Arizona

Brown & Brown Insurance of Arizona provides services for self-storage facilities.

(28 reviews)

Ayala Insurance Service, LLC.

Ayala Insurance Service LLC provides auto, home, and business insurance in Phoenix, Mesa and surrounding areas

(149 reviews)

Chalk & Gibbs Insurance

Chalk & Gibbs Insurance guides clients in North Carolina to protect what matters most through a variety of insurance solutions.

(117 reviews)

Cowan Insurance Group

Cowan Insurance Group is a leading Canadian insurance broker providing specialty property and liability programs for self-storage facility owners across Canada.

(62 reviews)

Self Storage Facility Insurance Program

Self-Storage Protect by Ryan Specialty is a dedicated insurance program for self-storage facilities providing property, liability, and specialty coverage options.

(51 reviews)

Safehold Special Risk

Safehold Special Risk provides specialty property and liability insurance programs designed for self-storage facility owners and operators.

(44 reviews)

Blackburn Jones Co

A family-owned and operated insurance agency providing comprehensive home, auto, and business insurance solutions in Northern Utah.

(23 reviews)

Rate Crushers Insurance Brokers Arizona

Get fast, affordable insurance quotes in Phoenix and Oakland. Compare auto, home, renters, and SR-22 coverage with local agents.

(13 reviews)

IMT Insurance

IMT Insurance is a regional mutual insurer serving Midwest self-storage operators with competitive property and liability coverage since 1884.

(71 reviews)

Champion Risk

America's trusted transportation and logistics insurance partner.

(5 reviews)

Insurance Office of America

Insurance Office of America is a large independent insurance agency providing commercial property and liability programs for self-storage facility owners nationwide.

(47 reviews)

Sage Insurance Servicing

Sage Insurance Servicing provides specialty property and liability insurance programs for self-storage facility owners.

(33 reviews)

ABP Insurance

ABP Insurance is a multilingual and independent agency offering a wide range of personal and business insurance solutions.

(11 reviews)

Bradley Insurance Services, Inc.

An independent insurance agency offering personal and business insurance solutions in Virginia.

(129 reviews)

Knott Insurance Group

Knott Insurance Group is an independent insurance agency offering a wide range of personal and business insurance solutions throughout Texas.

(100 reviews)

City Securities Insurance LLC

City Securities Insurance LLC provides both tenant protection and facility insurance programs for the self-storage industry.

(24 reviews)

Capstone Associated Services Ltd.

Capstone Associated Services provides specialty insurance and captive risk management programs for self-storage facility owners.

(23 reviews)

Assurance One of Texas LLC

Assurance One of Texas is an independent insurance agency specializing in commercial coverage for self-storage facilities in Texas.

(21 reviews)

Strategic Risk Alternatives

Strategic Risk Alternatives provides specialty risk management and insurance solutions for self-storage facilities with complex or non-standard coverage needs.

(19 reviews)

First Texas Insurance Services LLC

First Texas Insurance Services is a Texas-based independent agency providing property and liability coverage for self-storage facility owners in Texas.

(18 reviews)

Covenant Insurance Group

A local agency providing comprehensive insurance solutions for individuals and businesses.

(1 reviews)

KG Family Insurance

An independent insurance agency offering personal and business insurance solutions in Jacksonville, Florida.

(217 reviews)

Storsmart Insurance Co.

Storsmart Insurance Co. is a tenant protection program built by insurance and self-storage professionals, offering revenue share to facility operators.

(43 reviews)

On The Move Insurance Agency

On The Move Insurance Agency is a self-storage specialist offering tenant protection programs with operator revenue share.

(38 reviews)

Kelley Group Co, The

The Kelley Group Co. is a commercial insurance specialty broker providing property and liability programs for self-storage facilities.

(16 reviews)

Mark Stalker Insurance Agency Inc.

Mark Stalker Insurance Agency is a Springfield, MO commercial insurance agency with 40+ years of experience providing property and liability coverage for self-storage facilities.

(14 reviews)

Mickey Clayton Insurance

Mickey Clayton Insurance provides services for self-storage facilities.

(124 reviews)

Storage Insurance USA

Storage Insurance USA provides insurance products for both self-storage facility owners and tenant protection programs nationwide.

(34 reviews)

Storage Network Advantage

Storage Network Advantage provides tenant protection programs for self-storage operators with revenue sharing.

(29 reviews)

Storage Business Owners Alliance

The Storage Business Owners Alliance (SBOA) is a trade association for self-storage operators offering member benefits including insurance programs.

(27 reviews)

Storage Property Protection

Storage Property Protection offers both tenant protection programs and facility insurance for self-storage operators.

(22 reviews)

Ford Insurance Agency

Ford Insurance Agency is an independent insurance agency providing commercial property and liability coverage for self-storage facility owners.

(12 reviews)

HBT Insurance

HBT Insurance is an independent insurance agency providing commercial property and liability programs for self-storage facility owners.

(11 reviews)

William Knight Insurance Agency Inc.

William Knight Insurance Agency is an independent insurance agency providing commercial property and liability coverage for self-storage facility owners.

(11 reviews)

Tenant Property Protection

Tenant Property Protection offers a self-storage tenant insurance program with operator revenue share and online enrollment.

(19 reviews)

Comprehensive Storage Association Inc.

Comprehensive Storage Association Inc. provides a tenant protection program for self-storage operators.

(18 reviews)

Provident Financial Group

Provident Financial Group provides commercial insurance including property and liability coverage for self-storage facility owners.

(10 reviews)

Jeff Ware Insurance Agency

Independent insurance agency offering personal and business coverage across SC, NC, and GA.

(6 reviews)

Scott & Bond Inc

An independent insurance agency offering personal and business coverage in Bedford, Virginia.

(15 reviews)

Farmers Insurance

Farmers Insurance is a large national carrier offering commercial property and liability coverage that can cover self-storage facilities, primarily suited for smaller or simpler operations.

(89 reviews)

C. T. Lowndes & Company

Insuring South Carolina Since 1850

(6 reviews)

The Griffith Agency

Providing comprehensive insurance solutions for individuals and businesses in Boca Raton and Delray Beach, Florida.

(4 reviews)

Columbia Basin Insurance

Columbia Basin Insurance provides personal and business insurance solutions across Washington and Oregon.

(2 reviews)

AAA Arizona Inc.

Offers insurance programs to the self-storage industry.

(0 reviews)

Joyce, Jackman & Bell Insurors

Joyce, Jackman & Bell Insurors is an established independent insurance agency providing commercial property and liability coverage for self-storage facilities.

(0 reviews)

Sanor Insurance Agency Inc.

Provides commercial insurance including general liability, commercial property and more.

(0 reviews)

Setnor Byer Insurance & Risk

Setnor Byer Insurance & Risk is an independent insurance agency specializing in commercial property and liability coverage for self-storage facility owners.

(0 reviews)

Storage Insurance Solutions

Offers insurance products to the self-storage industry.

(0 reviews)

World Insurance Associates LLC - Self Storage Division

World Insurance Associates has a dedicated self-storage division providing facility property, liability, and specialty coverage to operators nationwide.

(0 reviews)

Self-storage insurance: what every owner needs to know

Self-storage insurance splits into two very different worlds: commercial coverage that protects your business, and tenant protection that protects (and monetizes) the goods your customers store. Most new operators underestimate one or both. Getting the right coverage in place is cheap insurance against catastrophic claims — and a well-structured tenant protection program is one of the highest-margin revenue streams in the industry.

Commercial policies every storage owner needs

  • Commercial property insurance: covers your buildings, office, fencing, and equipment against fire, wind, vandalism, and theft.
  • General liability: covers slip-and-fall claims, bodily injury on your property, and tenant lawsuits.
  • Commercial umbrella: adds another layer above your primary liability limits — inexpensive and strongly recommended.
  • Business interruption: replaces lost revenue if a covered event (fire, storm) forces you to close temporarily.
  • Cyber liability: increasingly important as PMS platforms hold credit card data and personally identifiable information.

Tenant protection — not optional anymore

Your lease almost certainly says tenants store at their own risk. In practice, when a unit floods or burns, tenants without coverage sue the facility anyway. Tenant protection programs solve this by bundling a $10–$30 monthly fee into the rent that covers up to $2,000–$10,000 in goods. Providers handle the claims, you collect a 30–60% share of the premium, and your risk exposure drops dramatically.

Questions to ask before binding a policy

  1. What perils are covered — and more importantly, what's specifically excluded?
  2. What are the deductibles per building and per event?
  3. Is flood coverage included, or is that a separate policy? (It's almost always separate.)
  4. What does the insurer require for security and access control to maintain coverage?
  5. How are claims handled, and what's the average settlement timeline?
  6. Are business interruption limits enough to cover a 6-month rebuild?

Explore specialized self-storage insurance providers above — working with a broker who understands the industry saves you from gaps that generic commercial policies leave wide open.

Frequently asked questions about insurance & risk management

What insurance does a self-storage facility actually need?

At minimum: commercial property, general liability, and a commercial umbrella. Most operators should also carry business interruption insurance and cyber liability given PMS platforms store payment and personal data. Flood insurance is usually separate and required in FEMA flood zones.

What is tenant protection, and should I offer it?

Tenant protection is a program that bundles a $10–$30 monthly fee into the rent to cover tenant goods up to $2,000–$10,000. A third-party provider handles claims, and you keep 30–60% of the premium. It reduces your liability exposure dramatically and is one of the highest-margin revenue streams in self-storage. Most operators consider it essential.

How much does commercial storage insurance cost?

Costs vary widely based on location, building type, and loss history, but most 300–500 unit facilities pay $4,000–$15,000 per year for bundled property and liability coverage. Flood, earthquake, and cyber are typically separate. Working with a broker who specializes in self-storage usually produces better pricing than generic commercial insurers.

Does a tenant's homeowner's policy cover items stored off-site?

Sometimes, but usually with significant limits (often 10% of personal property coverage) and exclusions. Tenants assume they're covered and frequently aren't. This is why tenant protection programs exist — they guarantee specific coverage and eliminate the argument over whether the homeowner's policy applies.

How do I add tenant protection to my facility?

Most major self-storage PMS platforms have integrated tenant protection partners. You sign up, configure the monthly fee tier, and the software automatically adds it to every lease. Some operators make it opt-out by default (higher take rate, better margins); others make it opt-in (simpler legally). Confirm your lease language matches your approach.

What's different about storage liability vs. standard commercial liability?

Storage facilities face unusual exposures: tenant lien sales, bailment claims, auction disputes, and claims over stored items the facility didn't know were there. A generic commercial policy often doesn't address these. Specialty self-storage insurers understand the risks and write policies with proper exclusions, lien-sale coverage, and claim defense built in.