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).