Setnor Byer doesn't just sell you insurance. Our Risk Management team works with you to profile your risk, discuss coverage options, and match you up with the program that works best for you.

Call us for guidance on such self-storage issues as:

• Premises Inspection
• Construction and Sprinkler Ratings
• Tenant Leases
• Pollution Threats
• Security Threats

Setnor Byer Insurance & Risk makes your selection of an insurer easy because we represent the nation's leading self-storage carriers. By working only with the most financially stable insurance companies that know the unique coverage requirements of self-storage facilities, we find you the best policy at the best price. And, for self-storage operators that employ full or part-time personnel, count on us for complimentary support for all of your human resources functions. From our e-learning partner The Human Equation®, you are entitled to benefits ranging from an HR hotline that provides assistance on employment issues to online training that addresses safety concerns, workplace investigations, and customer service issues.

And, last but not least, consider using our Tenant Report Line, an online solution for receiving and resolving tenant communications and concerns.

Is Your Self Storage Facility Ready for the 2012 Hurricane Season?

For more information about our Self-Storage Insurance Program, contact us,
or call our Program Specialist at 954-888-1262.

Coverage Outline

TERRITORY	Nationwide
COVERAGE	Self-Storage Business Owners Coverage Form Special cause of loss – Subject to exclusions & limitations
PROPERTY FEATURES	Blanket Building & Personal Property, including fence, gate, sign Replacement cost Business Income & Extra Expense – 12 or 15 months actual loss sustained Accounts Receivable - $25,000 Debris Removal - $50,000 Money & Securities - $10,000 on premises/ $2,000 off premises Ordinance or Law Coverage - $100,000 Outdoor Signs - $10,000 Pollution Clean-up - $25,000 Trees, Shrubs and Plants - $500 per tree, shrub or plant Valuable Papers & Records - $25,000 Identity Theft Coverage Employment Practices System Protection Coverage * These limits may be increased
DEDUCTIBLES	Options of $500, $1,000, $2,500, $5,000, $10,000 or higher available
CUSTOMER'S GOODS LEGAL LIABILITY	$25,000, with limits up to $2,000,000 available
SALE & DISPOSAL LIABILITY	$10,000, with limits up to $2,000,000 available
HAZARDOUS CONTENTS REMOVAL	$25,000, $50,000 or $50,000/$200,000 available
BUSINESS LIABILITY	$1,000,000 / $2,000,000
MEDICAL EXPENSE	$5,000 with higher limits available
RESIDENT MANAGER LIABILITY	Available upon request
EMPLOYEE DISHONESTY	Available upon request
EMPLOYEE BENEFIT LIABILITY	Available upon request
EQUIPMENT BREAKDOWN	Available upon request
UMBRELLA/EXCESS LIABILITY	$1,000,000 to $5,000,000 for true umbrella or follow-form excess liability coverage
WORKERS COMPENSATION	Available upon request