Self Storage Facility Insurance — Coverage, Cost & Requirements
Self storage facilities face property liability when tenants claim stored items were damaged by water intrusion, fire, or theft. Premises liability covers injuries to customers accessing units. Bailee coverage protects against claims for items in your care. Workers' comp covers employees operating forklifts and heavy equipment.
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What Coverage Does Self Storage Facility Insurance Include?
Most self storage facility businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Property Insurance
Property Insurance coverage tailored for self storage facility businesses.
Bailee Coverage
Covers property of others in your care — critical for pet groomers and repair shops.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Self Storage Facility Insurance Cost?
The cost of self storage facility insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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