Property, liability and the coverages only a storage facility needs. Underwriters who specialize in the class price every account, and quotes come back typically within 24 hours.
Traditional
Self-storage facilities, climate-controlled or not.
Multi-story
Single-story and multi-story buildings.
Conversions
Retail, warehouse and industrial buildings converted to storage.
Boat and RV
Boat and RV storage, as its own facility or alongside self-storage.
Coastal and CAT
Coastal and CAT-zone locations are within appetite, with deductibles set for the zone.
Paper
A- or better, rated by A.M. Best
Basis
Non-admitted, 48 contiguous states
Valuation
Agreed value replacement cost
Deductibles
$5K, $10K, $25K or $50K per location, 2% or 5% of TIV for wind and hail
Billing
Agency bill or direct bill
Turnaround
Quotes typically within 24 hours
Building and property
Up to $30M per facility
Liability
$1M / $2M
Business income
18 months
Umbrella
Available up to $5M
Sale and disposal
From $1M
Replacement cost on the structures and the assets inside them.
Revenue replaced when a covered loss takes units out of service.
Third-party bodily injury and property damage.
Tenant property claims that trace back to facility negligence.
The exposure a lien sale creates. Only self-storage has it, and the form is written for it.
Tenant property damaged while in the facility's care.
Agreed value is available. Deductibles are set per location.
Submit by portal or email. Both reach the same desk.
We fill in the property details, so quotes come back in about 24 hours.
Quotes are bindable and ready for your client to sign.
Appetite, paper and process, in the order producers ask.
Building and business personal property at replacement cost, business income and loss of rents, commercial general liability, customer goods legal liability, sale and disposal liability for lien sales, and care, custody and control for tenant property in the facility's keeping. Agreed value is available.
Traditional self-storage, climate-controlled or not, in single-story and multi-story buildings, and boat and RV storage. Conversions from retail, warehouse and industrial space are written, as are mixed-use properties where self-storage is the primary use and multi-state portfolios. Coastal and CAT-zone locations are within appetite.
All 48 contiguous states, on a non-admitted basis.
A carrier rated A- or better by A.M. Best. Etude underwrites the product, administers it and handles the claims in-house.
Send the submission by email or in the portal. Start with the property address. We fill in the property details, which helps get a bindable quote back quickly. Your underwriter tells you what else the file needs.
Typically within 24 hours of submission, from the underwriter who priced it, as a bindable quote you can present to your client. The terms hold through bind.
Per location, at $5K, $10K, $25K or $50K, with 2% or 5% of TIV for wind and hail. A coastal site and an inland site on the same schedule can carry different deductibles.
Etude, in-house, from first notice through payment. The team that underwrote the policy works alongside the team that pays the claim.
Agency bill or direct bill, whichever the agency prefers.
Yes. Appointment is one request at etudecapital.com/appointment, with no production requirements, and a response typically within one business day. It comes with portal access and a dedicated representative. A risk sent with the request is worked the same day.
Appointed
Log in to the portal and start with the address. Quotes typically come back within 24 hours.
Log in to submitNot yet appointed
One request, no production requirements, and a response typically within one business day.
Get appointed