Coverage for self-storage facilities, mini-storage, warehousing, and climate-controlled operators — from a single location to multi-site portfolios. Subject to underwriting.
Under 100 units. Often single-owner operations with property, GL, and tenant protection bundled into a streamlined BOP.
100–400 units. Typically the inflection point where separate property and liability policies start outperforming a bundled BOP.
400+ units. Multi-building or multi-acre properties with custom property schedules, higher liability limits, and umbrella coverage.
Wine, art, document, and high-value storage with HVAC equipment scheduling and elevated tenant property limits.
Commercial warehousing with cargo, bailee, and motor truck coverage for goods stored on behalf of clients.
Multi-location operators with coordinated coverage across properties, master policies, and acquisition due-diligence support.
Self-storage operators face a different mix of risk than typical commercial real estate — tenant property, climate control, and high-volume customer turnover. Spire structures coverage for what your facility actually faces.
Property, GL, and tenant protection coverage sized to your unit count, climate control infrastructure, and revenue scale.
From quoting to claims, we represent your interests — not the carrier's. We push back on declines and unclear policy language.
Stay ahead of state lien laws, tenant protection requirements, and ADA compliance with proactive guidance.
As you add facilities or upgrade existing ones, your coverage grows with you through annual reviews and acquisition support.
Each coverage is subject to underwriting and policy form. Your specific program depends on your facility size, location, and mix of services.
Third-party bodily injury and property damage on your premises. Slip-and-falls, vehicle accidents in driveways, and customer injury.
Property + GL bundled. Common for small and mid-size operators — often 15–30% cheaper than separate policies.
Building, fixtures, fencing, gates, security infrastructure, and signage. Covers fire, theft, vandalism, and weather damage.
Coverage for your liability over damage to tenant-stored property. Often a small add-on with high value if a tenant claims you damaged their belongings.
Medical, lost wages, and disability protection for employees injured on the job. Required by state law in most states.
Tenant data, payment information, and access control records are breach targets. Cyber covers notification, forensics, and recovery costs.
Vehicle coverage for site management, maintenance, and any business-use driving — plus hired and non-owned auto for staff vehicles.
All coverage is subject to underwriting. No coverage is bound or altered until confirmed by an authorized Spire representative.
Tenant protection (or tenant legal liability) covers an operator's liability for damage to a tenant's stored property. It's distinct from your own property coverage. Often a small add-on with very high value if a tenant alleges you damaged their belongings.
Most states require workers' compensation for any business with employees, regardless of hours. Some states allow exemptions for owner-only operations. Confirm requirements with your state and your agent.
Yes. Climate-controlled facilities have higher equipment values (HVAC) and tenant property values (since people store more valuable items in them). Insurers price these slightly higher but offer specialized programs.
Property coverage typically responds to building damage and your operator equipment. Tenant property is usually NOT covered under your policy — tenants need their own protection. Some operators offer tenant insurance as an upsell.
Schedule a quick call with a Spire agent. We'll learn your operations and walk you through what coverage looks like for businesses like yours — with no pressure to bind.