Mini-Storage Insurance Packages
MiniPak Gold offers superior coverage, competitive rates and world-class customer service. Integrity, dedication, and understanding of the issues that self-storage professionals face. We keep our expenses to a minimum. We control claim fraud. We make sure you have the coverage you need. That’s why MiniPak Gold is the leading commercial insurance program for the self-storage industry. That’s why you will want MiniPak Gold to protect your self-storage facility.
MiniPak Gold Policy Highlights
Business Property and Business Income
Coverage is provided for the following exposures:
- Buildings and structures including fences, building glass, signs, lawns, walks and roadways, and buildings under course of construction.
- Business personal property including mini-computer equipment.
- Business income (actual loss incurred up to 15 months)
Coverage features include the following:
- Replacement cost coverage.
- No co-insurance clause.
- Deductible options of $500, $1,000, $2,500, $5,000, $10,000 and $25,000.
- Business income coverage includes extra expenses.
- Business income includes actual losses sustained up to 180 days beyond the date of repair or replacement.
Additional coverage is provided for the following exposures:
- $25,000 pollutant cleanup and removal (must result from a covered loss and be reported within 180 days). May be increased up to $100,000.
- $5,000 for employees’ personal property (may be increased up to $15,000).
- Building ordinance coverage included in property limit.
- $25,000 personal property off premises and in transit.
- $10,000 for trees, shrubs and plants (not to exceed $1,000 on any one tree, shrub or plant).
- $25,000 valuable papers and records.
- $25,000 accounts receivable.
- $10,000 fine arts.
- $10,000 recharging of fire protection systems.
Crime
- $10,000 money on premises and $5,000 money off premises.
- $10,000 employee dishonesty.
- $10,000 forgery.
Business Liability
Coverage is provided for the following exposures:
- Business liability ($500,000 to $2,000,000 limits available).
- Personal injury and advertising injury.
- Hired and non-owned auto liability.
- Medical expenses ($5,000 limit).
- Umbrella policy available.
Customers’ Goods Legal Liability
- Protects against liability claims by storage customers for loss to their stored personal property while at the insured premises.
- Limits available from $25,000 to $1,000,000.
Sale and Disposal Legal Liability
- Protects against liability claims by customers for loss to their stored property due to lockout or the sale, removal or disposition of the property as a result of the sale and disposal operations.
- Limits available from $10,000 to $1,000,000.
Optional Coverages Available
- System protection.
- Earthquake (not available in California or Alaska).
- Employment practices liability.
- On-site managers’ liability coverage.
- Limited pollutant removal (limits of $25,000/$100,000 and $50,000/$200,000 available).
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