Self Storage Insurance



Ben Brown Insurance Agency provides PROPERTY, HURRICANE, LIABILITY AND CUSTOM COVERAGE that can be tailored to your individual needs. (see information below)

All of our carriers are rated "A" or Better and will comply with your lender requirements.

Ben Brown Insurance Agency has serverd the Self-Storage Industry for many years and are availble for a personalized program review before your next renewal or at any time!

For your "Personalized Insurance Coverage Review", please contact our Storage Specialist Account Executive - Adam Davis.

Ben Brown Insurance Agency, through several carriers provides superior coverage specifically designed for the unique exposures of self-storage businesses. Here are some of the coverage's' that may be available through our programs.


Customers Goods Legal Liability (included)

  • Coverage against loss or damage to customers' personal property for which the insured may become legally liable, including property stored in the open.
  • Includes defense against allegations.
  • Limits available from $25,000 to $1,000,000.

Sale And Disposal Legal Liability (included)

  • Coverage for claims against the insured for negligent acts arising from the lockout, sale, removal or disposal of customers' property when reclaiming rented space for which rental or other charges are delinquent or unpaid.
  • Includes defense against allegations.
  • Limits available from $10,000 to $1,000,000.

Limited Pollutant Removal (optional)

  • Pays for costs to remove pollutants from a storage unit required by the appropriate statutory authority. Coverage is afforded to all the spaces at the insured facility, not just to units that are rented after the date of coverage. Also, for facilities over 1,000 units, limits of $100,000/$200,000 and $200,000/$400,000 are available.
  • ts of $25,000/$100,000 and $50,000/$200,000 available.


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 (on specified programs-actual loss incurred up to 15 months).

Coverage features may include the following:

  • Replacement cost coverage.
  • No co-insurance clause.
  • Deductible options of $1,000, $2,500, $5,000, $10,000 and $25,000.
  • Business income coverage includes extra expenses.
  • Extended business income is included up to 180 days beyond the date of repair or replacement.

Additional coverage can be 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.

Ben Brown Insurance Agency, Inc.
3731 South Tuttle Avenue
Sarasota, FL 34239-6410
Phone (941)366-9373 Fax (941) 365-3143
Adam Davidson - Storage Specialist Account Executive