Products

Self-Storage Insurance Products

We offer a wide range of insurance products to increase the value of your portfolio and peace of mind for you and your tenants.

  • SecureLease, our award-winning Tenant Protection Program
  • Self-Storage Facility Property & Casualty
  • Builder’s Risk Insurance
  • SecureOutdoor, RV & Boat Deductible Reimbursement
  • Vehicle Rental Insurance

SecureLease: Our Tenant Protection Program

On The Move Insurance Agency offers an industry-leading Tenant
Protection Program that allows operators to earn up to 90% profit margins.

  • SecureLease, is our award-winning Tenant Protection Program
  • It allows you to assume limited liability for tenant-stored property through a lease addendum
  • You are offering a protection plan that assumes limited liability at the price and limits you choose

 

Protections Includes:

  • Theft due to forcible entry
  • Fire, smoke, lightning, explosion, windstorm, tornado
  • Commercial property and household goods
  • Water damage from a leaking roof or broken pipes
  • Furs, antiques, works of art, consumer electronics
  • Cars, boats, jet skis, motorcycles
  • Document re-creation costs
  • Moth, insect, rodent, or vermin damage
  • Pays on replacement cost for their damaged or stolen property
    (clothing & household linens subject to depreciation)

This is made possible by our cutting-edge Contractual Liability Insurance Policy (CLIP) which allows operators to fully insure the risk, regardless of size.

Protection Advantages:

  • Our CLIP can cover almost any existing Tenant Protection Program with no changes necessary
  • It’s a simple, easy way to offer a protection plan without having to purchase an annual policy
  • You set your own pricing, thereby determining your profit margin
  • The protection plans are insured with zero deductibles for both the facility and the tenant
  • Tenants’ claims are handled by licensed adjusters on your behalf
  • You report the risk each month only paying for the amount of insurance you need to cover the exposure at your location

Our customers enjoy the most efficient claims handling and highest profit margins in the industry!

Additional Revenue Stream

On The Move provides you with the start-up training, marketing materials, and assistance for implementing the program to achieve up to 80% participation rate—for new and existing tenants. You set the price and limits for your facility.

Self-Storage Facility Property & Casualty

As self-storage owners ourselves, we only partner with carriers who understand the unique needs, low risk, and inexpensive rebuilding costs of most self-storage facilities. This results in competitive rates that cover:

  • Legal Goods & Liability
  • Sale & Disposal
  • Limited Pollution
  • Business Income
  • Employee Dishonesty
  • Hired & Non-Owned Auto Liability
  • Equipment Breakdown
  • and More, based on your needs

Let us customize a quote for you

Builder’s Risk Insurance

Builder’s risk insurance policy that is designed to cover property in the course of construction.
Coverage is usually written on an all-risks basis and typically applies not only to property at the construction site but also to property at off-site storage locations and in transit. Builder’s risk insurance can be written on either a completed value or a reporting form basis; in either case, the estimated completed value of the project is used as the limit of insurance.

An advantage that allows On The Move Insurance Agency to secure your builder’s risk coverage is that we write our builders risk policies through our Self-Storage specific carriers. This allows the policies to convert to the correct Self-Storage specific coverage for your new facility upon completion.

SecureOutdoor Deductible Reimbursement

SecureOutdoor provides protection for outdoor boat/RV storage while creating a revenue stream for facility operators. The zero-deductible, pay-with-rent plan protects against onsite accidents.
RV sales in the United States have increased dramatically with the trend expected to continue. On The Move’s SecureOutdoor plan is designed to allow self-storage operators to provide tenants with deductible protection, while enabling additional facility revenue.

Specialty Vehicle Rental Business Insurance

Commercial vehicle insurance is vital for auto, truck, recreational vehicle, contingent lease, and customer service fleet rental enterprises of any size. On The Move Insurance Agency offers these coverage products for rental operator customers:

  • Personal Property Coverage (PPC) offers insurance protection for the rentee’s personal property 24 hours a day, in or out of the rental vehicle (other than personal residence) during the rental period.
  • Personal Accident Coverage (PAC) reports an accident medical expense benefit and accidental death benefit for the rentee and passengers for bodily injury that results from an accident during the rental period.
  • Rental Liability Insurance provides primary protection for the rentee and any listed authorized drivers against claims made by third parties for bodily injury, death and/or property damage caused by use of the rental vehicle. Protection is provided up to the financial responsibility limits in the state.
  • Rental Program Training is provided via webinar or onsite. We understand the needs vary for our clients and want to make sure you feel comfortable with our forms and software.
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